Lake-Osceola State Bank

Lake-Osceola State Bank


  • 102 North Michigan Ave.
    Big Rapids, Michigan 40307
  • 231-796-8819

About Lake-Osceola State Bank

Lake-Osceola State Bank, a locally owned community bank, is in the business of successfully providing financial products and services. We will provide Customer Care by determining their needs and striving to exceed their expectations. We will work side by side with the community to support, assist, and promote improvement to our quality of life.

Chartered in 1908 we have operated continuously in Lake County. Our main office is located just blocks away from the original building.

For our first 55 years of existence we operated with only one office; Baldwin. In 1963 we purchased Luther, and Tustin. We operated with these three offices for 32 years until 1995 when we began to expand by purchasing and opening new offices. From 1995-2006 we added four branches, Irons, Wellston, Reed City, and Big Rapids. Currently we operate all seven of our original branches. We are in the process of opening a second branch in the Big Rapids Market.

We are still a privately held institution. The majority of our shares of stock are held by three families deeply rooted in our history and traditions. These three families are the Smith Family, the McPhail Family, and the Wenger Family.

Our rich history of involvement and family traditions truly make us a community bank.

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The Big Rapids Downtown Business Association is a network of downtown businesses and individuals who work together to encourage and maintain business health and vitality in Downtown Big Rapids.

Contact Us

(231) 592-4038

226 N Michigan Ave
Big Rapids, MI 49307

Director Josh Pyles

  • You might have seen all the recent pinwheels downtown. Did you know it’s child abuse prevention month? They are a reminder that you too can help prevent child abuse. Information is provided on the sign. #childabuseawareness #childabusepreventionmonth #childabuseprevention #pinwheelsforprevention #downtownbigrapids #bigrapids
  • We hope you’ll been able to get out onto the #whitepinestrail this weekend. We are blessed to have so much nature around, and available to us. #bigrapids #cycling #outdoorrecreation #sunshine #activeBigRapids
  • The Muskegon River is really moving fast this morning, we can sometimes see why our lumbering forefathers referred to us as “Big Rapids.” The geese are out early this morning enjoying the fresh cool water. Every year these birds come back to our piece of river bank to call their home, and raise their Spring goslings. #muskegonriver #bigrapids #bigrapidsmichigan #geese #goslings #springtime
  • We are looking forward to Summer when these streets get filled with fun events and happy smiling people, and not SNOW! LOL 😂 Thank you to the Big Rapids City for being out there and plowing our streets and sidewalks, bright and early this morning. #springinmichigan #downtownbigrapids #michiganapril
  • We underestimate winter’s tenacity. Keep thinking Spring, and those Long Summer days and evenings that you can go to the hemlock park and make warm memories. #makingmemories #downtownbigrapids #snowinapril #spring #riverwalk #hemlockpark
  • Look at these beautiful Spring promises. All along the southern 1/2 of #riverwalk you will find these early May flowers. #springinbigrapids #spring #riverwalkbigrapids #hemlockpark#downtownbigrapids #springishappening

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