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

  • Have you just taken a moment and really explored this mural in the back alley behind @oldpioneerstore_kilwins  and @artworks_br ? It’s a great masterpiece of so many quant aspects of Big Rapids. The colors are very eye catching. Next time you’re walking by, take a moment. #citymurals #downtownbigrapids #cascardo #cascardoart
  • Have you been down to visit Mitchell Creek Park lately? It’s a tranquil urban park located downtown Big Rapids, this park has had quite a facelift over the last few years. It’s a  perfect place to find some peace on a busy day. #mitchellcreekpark #downtownbigrapids #urbanpark #citypark #enjoytheday
  • Have you seen the new “Black Bear” by Ivan Iler? When you take a wander across the Muskegon river along the pedestrian bridge behind the Big Rapids Middle School you’ll see him midway along the bridge. He’s quite stunning. #festivalofthearts2019 #fota2019 #ivaniler #blackbear #sculptureart #bigrapids #muskegonriver
  • Kids day tomorrow (6/21/19) they will be there until 2pm. Come on down!
  • @cityofbigrapids has put out there seasonal potted flowers. It’s always so nice to watch these arrangements mature over the season. Thank You City of Big Rapids! #downtownbigrapids #downtownflowers
  • @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

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