| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | Independent Bank | Bank | 3 | $261.0M | 19.86% |
| 2 | Northstar Bank | Bank | 3 | $214.5M | 16.32% |
| 3 | Thumb Bank and Trust | Bank | 3 | $204.5M | 15.56% |
| 4 | The Huntington National Bank | Bank | 2 | $177.1M | 13.47% |
| 5 | Frankenmuth Credit Union | Credit union | 4 | $169.3M* | 12.88% |
| 6 | Bay Port State Bank | Bank | 4 | $133.5M | 10.16% |
| 7 | Team One Credit Union | Credit union | 1 | $57.1M* | 4.34% |
| 8 | The Port Austin State Bank | Bank | 1 | $54.6M | 4.15% |
| 9 | Eastern Michigan Bank | Bank | 1 | $32.6M | 2.48% |
| 10 | Flagship Community Federal Credit Union | Credit union | 1 | $10.4M* | 0.79% |
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 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 | 20.3% | 1,427 |
| 2022 | $1.32B | 9 | 22 | Independent Bank | 18.1% | 1,385 |
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.