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

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  • @gusmacker3on3 had quite the turn out for day one of the tournaments. We had so many folks from all over the state competing to move into the finals, which will be held downtown tomorrow. Come on down and cheer on your winning team! #basketball #gusmacker #downtownbigrapids #3on3basketball
  • @gusmacker3on3 is underway. Come on downtown and cheer for your favorite team, or join in on the fun! Registration is open until 12pm. #gusmacker #downtownbigrapids #basketball
  • The @gusmacker3on3 is getting set up and the side practice has starting for some of the competitors. Registration is open until 7pm tonight and open again tomorrow morning at 7am. Come on downtown and join in the competition. #basketball #gusmacker #streetball #downtownbigrapids
  • @gusmacker3on3 is happening this weekend! Come downtown and join in on the excitement! They are already starting to line off the streets and set up for this two day downtown event! #gusmacker #downtownbigrapids #basketball
  • Have you been downtown recently and taken a look at all of our new banners? #festivalofbanners2019 is a community art project organized by @artworks_br . Where artists and non-artists, young and old individuals and groups, are invited to paint a design a banner. The banners are then hung on the City of #BigRapids light poles, along Michigan Ave. and the Baldwin St. bridge, for the entire year. These are only a few of the many banners that now line our #downtown streets. Thank you to all of the community sponsors who support this festival and community event. #community #festival #banners #art #artevent #arttown #communityart #communityartists #artworksbigrapids #downtownbigrapids #youllloveithere

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