Banks in Baldwin, MI

Bank branch map: Baldwin

Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.

Short answer: 1 institution operates 2 locations in Baldwin, according to the FDIC. 2 of them have coordinates on record and are on the map. ATMs and opening hours are not in the sources this page uses yet; each marker links to directions.

Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.

All banks in Baldwin

Sorted by number of local branches. Each branch shows where its hours and phone number come from.

Short answer: Lake-Osceola State Bank is the only bank with offices in Baldwin, with 2. Open any bank to see each address, today's hours where the bank publishes them and the phone number.

Lake-Osceola State Bank 2 branches · main office Baldwin, MI Bank · 2

Lake-Osceola State Bank has 2 branches in Baldwin, 13 across Michigan and 13 nationwide. FDIC records list its main office in Baldwin, MI and show it operating since 1908. With $469.4 million in total assets on June 30, 2026, it ranks No. 1,870 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Baldwin location is its main office at 790 Michigan Ave, dating to 1908; the newest, at 790 Michigan Avenue, to 2023. It does not publish hours in the sources this page uses; check its site before you go.

• Main Office main office

  790 Michigan Ave, 49304

  Hours: see the bank's site
  DirectionsWebsite
• Messenger Service Ii (Wexford And Missaukee Counties) Branch

  790 Michigan Avenue, 49304

  Hours: see the bank's site
  DirectionsWebsite

Lake-Osceola State Bank: profile, branches and contacts

Banking in Baldwin: the local picture

Short answer: 1 bank runs 2 branches in Baldwin according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.

Lake-Osceola State Bank has its main office in Baldwin, according to the FDIC.

The bank with the longest record here is Lake-Osceola State Bank, operating since 1908 according to the FDIC. In FDIC branch records, the longest-running branch is Lake-Osceola State Bank's office at 790 Michigan Ave, dating to 1908; the newest is Lake-Osceola State Bank's at 790 Michigan Avenue, from 2023.

None of the 2 locations here publishes hours in the sources this page uses. Each branch links to the bank's own site.

Chase, Bank of America and other national banks

Which big national banks have branches in Baldwin, and where the nearest one is if they do not.

Short answer: No branches in Baldwin: Chase (nearest in Cedar Springs, 49 mi), Wells Fargo (nearest in Birmingham, 163 mi), Bank of America (nearest in Grand Rapids, 63 mi), PNC Bank (nearest in Big Rapids, 23 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in Big Rapids, 23 mi), Huntington (nearest in Reed City, 17 mi), Regions Bank, TD Bank, BMO.

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Baldwin to the nearest branch in Michigan.

What your savings could earn

National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.

Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.

Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Baldwin residents like anyone else.

Banks near Baldwin

Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.

Short answer: The closest towns with more choice are Reed City (17 miles) and Big Rapids (22 miles). Big Rapids, 22 miles away, has the most banks nearby: 7.

Bank branch openings and closings in Baldwin

FDIC branch records, between September 5, 2025 and September 5, 2026.

Short answer: FDIC branch records show no bank branch openings in Baldwin between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.

Banks and credit unions based in Baldwin

Short answer: 1 institution has its main office in Baldwin: Lake-Osceola State Bank.

Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.

Largest banks in Baldwin by total assets

Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Baldwin offices.

Short answer: Lake-Osceola State Bank is the largest bank with offices in Baldwin, with $469.4 million in total assets on June 30, 2026, No. 1,870 among U.S. banks by total assets. 1 of the 1 bank is headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.

Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.

Banks in Baldwin: FAQ

How we build this page

Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.