Banks in Falmouth, MI

Bank branch map: Falmouth

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 1 location in Falmouth, according to the FDIC. 1 of them has coordinates on record and is 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 Falmouth

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 an office in Falmouth. Open any bank to see each address, today's hours where the bank publishes them and the phone number.

Lake-Osceola State Bank 1 branch · main office Baldwin, MI Bank · 1

Lake-Osceola State Bank has 1 branch in Falmouth, 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. The Falmouth Office Of Lake-Osceola State Bank Branch at 500 E. Prosper Rd dates to 2024 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Falmouth Office Of Lake-Osceola State Bank Branch

  500 E. Prosper Rd, 49632

  Hours: see the bank's site
  DirectionsWebsite

Lake-Osceola State Bank: profile, branches and contacts

Banking in Falmouth: the local picture

Short answer: 1 bank runs 1 branch in Falmouth 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, MI, according to the FDIC.

The bank with the longest record here is Lake-Osceola State Bank, operating since 1908 according to the FDIC.

The one location here does not publish 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 Falmouth, and where the nearest one is if they do not.

Short answer: No branches in Falmouth: Chase (nearest in Prudenville, 22 mi), Wells Fargo (nearest in Birmingham, 151 mi), Bank of America (nearest in Grand Rapids, 89 mi), PNC Bank (nearest in Gladwin, 35 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in Cadillac, 16 mi), Huntington (nearest in Lake City, 9 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 Falmouth 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 Falmouth residents like anyone else.

Banks near Falmouth

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

Short answer: The closest towns with more choice are Cadillac (16 miles) and Houghton Lake (18 miles). Cadillac, 16 miles away, has the most banks nearby: 4.

Bank branch openings and closings in Falmouth

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

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

Largest banks in Falmouth by total assets

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

Short answer: Lake-Osceola State Bank is the largest bank with offices in Falmouth, with $469.4 million in total assets on June 30, 2026, No. 1,870 among U.S. banks by total assets. 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 Falmouth: FAQ

How we build this page

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