FDIC-insured bank
Lake-Osceola State Bank — Baldwin, MI
Bank headquartered in Baldwin, Michigan, part of LAKE FINANCIAL CORP.
Source: FDIC BankFind Suite, data as of June 30, 2026, fetched September 5, 2026
Headquarters and contact
| Address | 790 Michigan Ave Baldwin, MI 49304 |
| County | Lake |
| Website | www.losb.com |
| Phone | not published in FDIC data, see the bank's website |
FDIC record
| FDIC Certificate | 8172 |
| Federal Reserve RSSD ID | 11145 |
| Status | Active |
| Charter class | NM (STATE) |
| Holding company | LAKE FINANCIAL CORP |
| Domestic offices | 13 |
| Financials as of | June 30, 2026 |
How to find your Lake-Osceola State Bank routing number
FDIC does not publish ABA routing numbers, and many banks use different routing numbers by state or by account type. The reliable places to find yours: the bottom left of a check from this bank, the "account details" screen in its online banking, or its official website at www.losb.com.
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Offices nearest to headquarters
| Lake-Osceola State Bank main office Baldwin, MI |
790 Michigan Ave, 49304 |
| Messenger Service Ii (Wexford And Missaukee Counties) Branch Baldwin, MI |
790 Michigan Avenue, 49304 |
| Luther Branch Luther, MI |
203 State St, 49656 |
| Irons Branch Irons, MI |
10464 N Brooks Rd, 49644 |
| Walkerville Branch Walkerville, MI |
133 E Main St, 49459 |
| Reed City Branch Reed City, MI |
217 South Chesnut Street, 49677 |
| Wellston Branch Wellston, MI |
17222 Caberfae Hwy, 49689 |
| Big Rapids Branch Big Rapids, MI |
102 N Michigan Ave, 49307 |
| Perry Avenue Big Rapids Branch Big Rapids, MI |
226 Perry Ave, 49307 |
| Leroy Branch Leroy, MI |
120 Mackinaw Trl, 49655 |
| Tustin Branch Tustin, MI |
109 E Church St, 49688 |
| Evart Branch Evart, MI |
920 W 7th St, 49631 |
13 offices in total. Browse them by city through the state pages.
Where Lake-Osceola State Bank has offices
Cities with the most Lake-Osceola State Bank offices
Largest banks headquartered elsewhere in Michigan
| Northpointe Bank Grand Rapids | $7.53 billion |
| First National Bank of America East Lansing | $6.82 billion |
| Mercantile Bank Grand Rapids | $6.24 billion |
| Independent Bank Grand Rapids | $5.66 billion |
| ChoiceOne Bank Sparta | $4.45 billion |
| Macatawa Bank, National Association Holland | $3.69 billion |
| Bank of Ann Arbor Ann Arbor | $3.50 billion |
| Isabella Bank Mount Pleasant | $2.17 billion |
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