| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | Independent Bank | Bank | 3 | $266.4M | 19.33% |
| 2 | Northstar Bank | Bank | 3 | $233.3M | 16.93% |
| 3 | Frankenmuth Credit Union | Credit union | 5 | $214.1M* | 15.54% |
| 4 | Thumb Bank and Trust | Bank | 3 | $195.3M | 14.17% |
| 5 | The Huntington National Bank | Bank | 2 | $175.6M | 12.75% |
| 6 | Bay Port State Bank | Bank | 4 | $136.1M | 9.87% |
| 7 | Team One Credit Union | Credit union | 1 | $56.7M* | 4.11% |
| 8 | The Port Austin State Bank | Bank | 1 | $54.6M | 3.96% |
| 9 | Eastern Michigan Bank | Bank | 1 | $30.6M | 2.22% |
| 10 | Flagship Community Federal Credit Union | Credit union | 1 | $15.4M* | 1.12% |
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 2026 | $1.38B | 10 | 24 | Independent Bank | 19.3% | 1,401 |
| 2025 | $1.31B | 10 | 23 | Independent Bank | 19.9% | 1,396 |
| 2024 | $1.30B | 10 | 23 | Independent Bank | 20.1% | 1,407 |
| 2023 | $1.28B | 9 | 22 | Independent Bank | 20.2% | 1,428 |
| 2022 | $1.32B | 9 | 22 | Independent Bank | 18.0% | 1,386 |
Every institution above links to its profile — ratios, peer medians and this quarter’s change signals. Pro adds the full table, share movement and CSV export.