Lake-Osceola State Bank
Headquarters: Baldwin, Michigan
Overview
Lake-Osceola State Bank is an FDIC-insured bank headquartered in Baldwin, Michigan. It reported $481.41M in assets and $409.95M in deposits for the period ending March 31, 2026. Bankular currently lists 13 branch locations.
What Bankular checked
These dates identify the official records and review steps supporting this profile.
Quarterly change
What changed since the previous report
December 31, 2025 to March 31, 2026
These comparisons use consecutive official regulatory reporting periods. A change is descriptive and is not a recommendation or safety rating.
Financial indicators
Capital, profitability and credit quality
These are the latest reported capital, profitability and credit-quality measures available for this institution. Read the figures together rather than as a single safety rating.
Branch footprint
Where Lake-Osceola State Bank has branches
Explore the cities with the most currently listed locations. Branch hours can change, so confirm current lobby, drive-through and appointment hours with the institution before visiting.
Locations
Find a branch of Lake-Osceola State Bank
Falmouth Office of Lake-Osceola State Bank
500 E. Prosper Rd, Falmouth, Michigan, 49632
Full-service branch · Opened July 29, 2024
Big Rapids Branch
102 N Michigan Ave, Big Rapids, Michigan, 49307
Full-service branch · Opened April 9, 2007
Evart Branch
920 W 7th St, Evart, Michigan, 49631
Full-service branch · Opened October 13, 2021
Irons Branch
10464 N Brooks Rd, Irons, Michigan, 49644
Full-service branch · Opened November 8, 1995
Leroy Branch
120 Mackinaw Trl, Leroy, Michigan, 49655
Full-service branch · Opened September 19, 2017
Luther Branch
203 State St, Luther, Michigan, 49656
Full-service branch · Opened May 6, 1963
Financial overview
Latest reported figures
Through March 31, 2026
Financial trends
How the balance sheet has changed
Compare recent quarters to see the direction of assets, deposits and loans.
| Quarter | Assets | Deposits | Net loans | ROA |
|---|---|---|---|---|
| March 31, 2026 | $481.41M | $409.95M | $254.22M | 1.77% |
| December 31, 2025 | $465.67M | $393.58M | $254.58M | 1.52% |
| September 30, 2025 | $453.34M | $381.91M | $250.72M | 1.73% |
| June 30, 2025 | $447.16M | $379.62M | $251.30M | 1.79% |
| March 31, 2025 | $451.20M | $388.39M | $258.26M | 1.29% |
| December 31, 2024 | $456.83M | $392.40M | $261.82M | 0.74% |
| September 30, 2024 | $449.92M | $383.65M | $268.73M | 0.62% |
| June 30, 2024 | $443.21M | $378.83M | $268.80M | 1.40% |
Size and reach
How this institution compares
Explore the institution
More on Lake-Osceola State Bank
Use the available Bankular sections to move from institution identity to products, locations, market context and source verification.
Branch locations
13 listed locations.
Explore →Compare this institution
Compare size, financial metrics, rates and access.
Explore →State banking market
Explore institutions and deposit-market context in Michigan.
Explore →Baldwin banking market
See local branches, competitors and market concentration.
Explore →Rankings and research
Place this institution in national and market context.
Explore →Sources and methodology
Review the official sources and reporting periods.
Explore →Frequently asked questions
Is Lake-Osceola State Bank federally insured?
Yes. Bankular identifies this institution in FDIC records under certificate 8172.
Where is Lake-Osceola State Bank headquartered?
Lake-Osceola State Bank is headquartered in Baldwin, Michigan, at 790 Michigan Ave, Baldwin, Michigan, 49304.
How large is Lake-Osceola State Bank?
It reported $481.41M in assets and $409.95M in deposits for the period ending March 31, 2026.
How many locations does Lake-Osceola State Bank have?
Bankular currently lists 13 branch locations for this institution.
Data sources and methodology
Bankular combines official regulatory records with institution-published product information. The detailed sources are available below for readers who want to verify a figure.