Listed locations
11
Institution profile
Lake-Osceola State Bank
Identity verified through FDIC; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.
FDIC BankFind baseline
FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.
- Legal name
- Lake-Osceola State Bank
- Display name
- Lake-Osceola State Bank
- Institution status
- Active
- FDIC insured
- Yes
- FDIC insured since
- January 1, 1934
- Established date
- January 1, 1908
- Charter class
- State-chartered commercial bank, not a member of the Federal Reserve System (FRS)
- Primary federal regulator
- Federal Deposit Insurance Corporation
- Headquarters
- Baldwin, MI, 49304, United States
- Website
- https://www.losb.com
- FDIC certificate number
- 8172
- Federal Reserve RSSD ID
- 11145
- Domestic location count
- 13
- Source observed
- August 5, 2026
Regulatory profile
Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.
Regulatory identity
- Institution status
- ACTIVE
- Primary federal regulator
- FDIC
- Institution type
- Non-member Bank
- Primary activity
- NAICS 52211
- FDIC certificate
- 8172
- Federal Reserve RSSD ID
- 11145
- Headquarters
- 790 North Michigan Avenue, Baldwin, MI, 49304, United States
- Primary deposit insurer
- Deposit Insurance Fund (DIF)
- Source observed
- August 19, 2026
Branch network
Showing 1 through 11 of 11 listed locations
Scroll sideways to see every branch column.
| Branch | Address | City | State | Postal code |
|---|---|---|---|---|
| DOWNTOWN BIG RAPIDS BRANCH | 102 North Michigan Avenue | Big Rapids | MI | 49307 |
| PERRY AVENUE BIG RAPIDS BRANCH | 226 Perry Avenue | Big Rapids | MI | 49307 |
| EVART BRANCH | 920 W. 7th St. | Evart | MI | 49631 |
| FALMOUTH BRANCH | 500 East Prosper Road | Falmouth | MI | 49632 |
| 10464 NORTH BROOKS ROAD OFFICE | 10464 North Brooks Road | Irons | MI | 49644 |
| LEROY BRANCH | 120 Mackinaw Trail | Leroy | MI | 49655 |
| LUTHER OFFICE | 203 State Street | Luther | MI | 49656 |
| 217 SOUTH CHESTNUT STREET OFFICE | 217 South Chestnut Street | Reed City | MI | 49677 |
| 109 EAST CHURCH OFFICE | 109 East Church Street | Tustin | MI | 49688 |
| WALKERVILLE BRANCH | 161 East Main Street | Walkerville | MI | 49459 |
| WELLSTON BRANCH | 17222 Caberfae Highway | Wellston | MI | 49689 |
Community Reinvestment Act (CRA)
Latest available CRA evaluation
- Rating
- Satisfactory
- Exam date
- June 1, 2024
- Regulator
- FDIC
- Examination method
- Intermediate Small Bank
This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.
CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.
Historical CRA evaluations
Scroll sideways to see every CRA examination column.
| Exam date | CRA rating | Regulator | Examination method |
|---|---|---|---|
| June 1, 2024 | Satisfactory | FDIC | Intermediate Small Bank |
| April 1, 2021 | Outstanding | FDIC | Small Bank |
| July 1, 2015 | Outstanding | FDIC | Small Bank |
| September 1, 2009 | Outstanding | FDIC | Small Bank |
| August 1, 2003 | Outstanding | FDIC | Small Bank |
| May 1, 1997 | Outstanding | FDIC | Small Bank |
| July 1, 1995 | Outstanding | FDIC | Not Reported |
| December 1, 1992 | Satisfactory | FDIC | Not Reported |
Institutional history
1 FFIEC NIC history event
Showing 1 of 1 history events
| Event date | Event type | Related institution |
|---|---|---|
| May 6, 1963 | Charter Discontinued (Merger or Purchase & Assumption) | LUTHER STATE BANK |
These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.
FFIEC-reported organizational relationships
2 FFIEC NIC relationship records
Showing 1 through 2 of 2 relationship records
| Relationship | Institution | Type | Location |
|---|---|---|---|
| Direct relationship | LAKE COUNTY TITLE & ESCROW AGENCY, LLC | Domestic Entity Other | Reed City, MI |
| ROOT_INSTITUTION | LAKE-OSCEOLA STATE BANK | Non-member Bank | Baldwin, MI |
These relationships reflect the FFIEC NIC source display and should not be interpreted as a complete legal ownership analysis.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- FDIC-insured state-chartered nonmember bank