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Lake-Osceola State Bank
✓ FDIC-insured · Active FDIC Certificate #8172
Lake-Osceola State Bank is an FDIC-insured state-chartered bank that is not a Federal Reserve member (supervised by the FDIC), headquartered in Baldwin, Michigan, established in 1908. As of the 06/30/2026 FDIC call report, it reported $469M in total assets and $403M in deposits. FDIC location data lists 13 offices in Michigan. The FDIC classifies it as a community bank. It is owned by the holding company LAKE FINANCIAL CORP (Baldwin, MI).
Financial data as of the 06/30/2026 FDIC call report.
Where it operates
All 13 of Lake-Osceola State Bank's FDIC-listed offices are in Michigan. Browse banks in Baldwin for other local options.
Branch locations
| Lake-Osceola State Bank Wellston Branch · Full Service - Brick And Mortar | 17222 Caberfae Hwy Wellston, MI 49689 Map ↗ |
| Lake-Osceola State Bank Luther Branch · Full Service - Brick And Mortar | 203 State St Luther, MI 49656 Map ↗ |
| Lake-Osceola State Bank Tustin Branch · Full Service - Brick And Mortar | 109 E Church St Tustin, MI 49688 Map ↗ |
| Lake-Osceola State Bank Irons Branch · Full Service - Brick And Mortar | 10464 N Brooks Rd Irons, MI 49644 Map ↗ |
| Lake-Osceola State Bank Reed City Branch · Full Service - Brick And Mortar | 217 South Chesnut Street Reed City, MI 49677 Map ↗ |
| Lake-Osceola State Bank Big Rapids Branch · Full Service - Brick And Mortar | 102 N Michigan Ave Big Rapids, MI 49307 Map ↗ |
| Lake-Osceola State Bank Perry Avenue Big Rapids Branch · Full Service - Brick And Mortar | 226 Perry Ave Big Rapids, MI 49307 Map ↗ |
| Lake-Osceola State Bank Lake-Osceola State Bank · Full Service - Brick And Mortar | 790 Michigan Ave Baldwin, MI 49304 Map ↗ |
| Lake-Osceola State Bank Walkerville Branch · Full Service - Brick And Mortar | 133 E Main St Walkerville, MI 49459 Map ↗ |
| Lake-Osceola State Bank Leroy Branch · Full Service - Brick And Mortar | 120 Mackinaw Trl Leroy, MI 49655 Map ↗ |
| Lake-Osceola State Bank Evart Branch · Full Service - Brick And Mortar | 920 W 7th St Evart, MI 49631 Map ↗ |
| Lake-Osceola State Bank Falmouth Office Of Lake-Osceola State Bank Branch · Full Service - Brick And Mortar | 500 E. Prosper Rd Falmouth, MI 49632 Map ↗ |
| Lake-Osceola State Bank Messenger Service Ii (Wexford And Missaukee Counties) Branch · Limited Service - Messenger | 790 Michigan Avenue Baldwin, MI 49304 Map ↗ |
Holding company: LAKE FINANCIAL CORP
The FDIC lists LAKE FINANCIAL CORP, based in Baldwin, MI, as the top holding company for Lake-Osceola State Bank. The FDIC shows no other active insured banks under the same holding company.
Similar-size banks in Michigan
Active FDIC-insured banks headquartered in Michigan with total assets closest to Lake-Osceola State Bank's $469M. See all banks in Michigan.
| Bank | HQ city | Assets | Offices |
|---|---|---|---|
| Central Savings Bank | Sault Sainte Marie | $517M | 9 |
| Grand River Bank | Grandville | $507M | 2 |
| Century Bank and Trust | Coldwater | $494M | 11 |
| 1st State Bank | Saginaw | $490M | 5 |
| Citizens National Bank of Cheboygan | Cheboygan | $471M | 10 |
| Honor Bank | Honor | $443M | 9 |
| State Savings Bank | Frankfort | $431M | 9 |
| Chelsea State Bank | Chelsea | $417M | 4 |
Lake-Osceola State Bank: common questions
Is Lake-Osceola State Bank FDIC-insured?
Yes. Lake-Osceola State Bank is an active FDIC-insured institution, FDIC Certificate #8172. Deposits are insured up to $250,000 per depositor, per ownership category. You can confirm this on FDIC BankFind.
Where is Lake-Osceola State Bank headquartered?
Lake-Osceola State Bank is headquartered at 790 Michigan Ave, Baldwin, MI 49304, according to FDIC records.
How many branches does Lake-Osceola State Bank have?
FDIC location data lists 13 offices for Lake-Osceola State Bank, all in Michigan.
Who owns Lake-Osceola State Bank?
The FDIC lists LAKE FINANCIAL CORP of Baldwin, MI as the top holding company for Lake-Osceola State Bank.
Source: FDIC BankFind Suite (institution, location, and call report data). BankNearMe.com does not rank or rate banks.