Bank Index

Lake-Osceola State Bank

Bank · Baldwin, United States · overall 5.9 / 10

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How this 5.9 is built

Average of 6 scored needs: 5.9. Regulation in United States: 87/100 (World Bank governance indicators). Licence confirmed by a regulator's own list. 2 scores backed by filings or its own pages.

Lake-Osceola State Bank is recorded in the global register as a bank in Baldwin, United States. The register shows its licence as licensed. Total assets 0.47 bn USD at 2026-06-30. It reports 13 offices. Established 1908. Collected from open registers.

On its own website: “Lake-Osceola State Bank is a locally-owned community bank headquartered in Baldwin, MI and committed to the financial well-being of our customers/communities.”

Legal name
Lake-Osceola State Bank
Licence confirmed
yes, on a regulator's own list
Established
1908
LEI
5493008KU0WI9CTREV39
Website
www.losb.com/

Scores, 0 to 10

8.0Financial strength & stability
· source
7.5Lowest fees
The bank's own page states no monthly account fee. The ceiling here is 7.5 and not 10 because transfer and card prices were not read on that page. It reads: “No minimum balance required and no monthly service charge” · source
6.0United States
Licensed and operating in its home country per the register entry; the depth of its offer here has not been checked yet. · source
5.5Cross-border payments, FX and multi-currency accounts
Holds a banking licence, so it can hold deposits and run payments; the actual terms have not been checked yet. · source
5.0Best interest on business balances
Holds a banking licence, so it can hold deposits and run payments; the actual terms have not been checked yet. · source
5.0Trade, manufacturing & import-export
Holds a banking licence, so it can hold deposits and run payments; the actual terms have not been checked yet. · source
4.5Fast digital onboarding
Holds a banking licence, so it can hold deposits and run payments; the actual terms have not been checked yet. · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.