Total Assets
$469.4M
Total Deposits
$403.4M
Branches
13
Established
1908
Lake-Osceola State Bank is a bank headquartered in Baldwin, Michigan, established in 1908. It holds $469.4M in total assets across 13 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Lake-Osceola State Bank earns a TFS Financial Health Grade of A (89.1/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
89.1 / 100
Excellent financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Lake-Osceola State BankHQ | 790 Michigan Ave | Baldwin | MI | 11 |
| Lake-Osceola State Bank | 790 Michigan Avenue | Baldwin | MI | 27 |
| Lake-Osceola State Bank | 102 N Michigan Ave | Big Rapids | MI | 11 |
| Lake-Osceola State Bank | 226 Perry Ave | Big Rapids | MI | 11 |
| Lake-Osceola State Bank | 920 W 7th St | Evart | MI | 11 |
| Lake-Osceola State Bank | 500 E. Prosper Rd | Falmouth | MI | 11 |
| Lake-Osceola State Bank | 10464 N Brooks Rd | Irons | MI | 11 |
| Lake-Osceola State Bank | 120 Mackinaw Trl | Leroy | MI | 11 |
| Lake-Osceola State Bank | 203 State St | Luther | MI | 11 |
| Lake-Osceola State Bank | 217 South Chesnut Street | Reed City | MI | 11 |
| Lake-Osceola State Bank | 109 E Church St | Tustin | MI | 11 |
| Lake-Osceola State Bank | 133 E Main St | Walkerville | MI | 11 |
| Lake-Osceola State Bank | 17222 Caberfae Hwy | Wellston | MI | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
89.1
Tier 1 capital ratio
12.53%
Return on assets
1.60%
Non-performing loans
0.24%
Efficiency ratio
57.52%
Asset growth (YoY)
4.98%
Suggested direct comparisons
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.