Branch Network
Independent Bank Locations & Branches Grand Rapids, Michigan
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Independent Bank operates 59 branches from its headquarters in Grand Rapids, MI, .
Independent Bank branch network
All 59 branches are in MICHIGAN, across 49 cities. Grand Rapids, MI has the most of its branches, 4. Its largest office by deposits is the Troy Main Branch office in Troy, MI, with $382.2M (7.8% of its branch deposits). It had the same number of branches on June 30, 2025.
Independent Bank at a glance
Its CET1 capital ratio was 11.45% at Q2 2026, above regulatory requirements.
- Total assets, Q2 2026
- $5.66B
- CET1 ratio, Q2 2026
- 11.45%
- Deposit insurance
- FDIC
- Regulator
- Federal Reserve
- Latest call report
- Q2 2026, FFIEC 041
- Established
- 1890
Full financial profile · Is Independent Bank safe? · Independent Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Grand Rapids, MI (4 branches) | 8 of 24 | 1.9% | $381.0M |
| State: MI (59 branches) | 9 of 95 | 1.6% | $4.93B |
Ranked by total assets among banks headquartered in the state: Largest banks in Michigan.
Share by county and metro area
Independent Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Kent, MI (9 branches) | 8 of 24 | 3.2% | $797.6M | $25.22B |
| Oakland, MI (3 branches) | 11 of 29 | 0.8% | $578.9M | $74.48B |
| Bay, MI (5 branches) | 2 of 7 | 31.2% | $404.4M | $1.30B |
| Grand Traverse, MI (3 branches) | 4 of 13 | 10.2% | $392.7M | $3.84B |
| Ingham, MI (5 branches) | 8 of 17 | 3.9% | $373.5M | $9.60B |
| Ionia, MI (5 branches) | 1 of 5 | 38.9% | $301.7M | $775.7M |
| Huron, MI (3 branches) | 1 of 7 | 24.4% | $266.4M | $1.09B |
| Eaton, MI (3 branches) | 4 of 10 | 13.2% | $220.7M | $1.67B |
| Saginaw, MI (3 branches) | 5 of 10 | 8.3% | $213.8M | $2.59B |
| Macomb, MI (2 branches) | 9 of 13 | 1.0% | $198.9M | $20.23B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Grand Rapids-Kentwood, MI (17 branches) | 7 of 27 | 4.0% | $1.32B | $33.10B |
| Detroit-Warren-Dearborn, MI (9 branches) | 13 of 37 | 0.6% | $992.4M | $178.42B |
| Lansing-East Lansing, MI (8 branches) | 8 of 19 | 4.7% | $594.2M | $12.65B |
| Traverse City, MI (4 branches) | 4 of 13 | 9.1% | $435.2M | $4.78B |
| Bay City, MI (5 branches) | 2 of 7 | 31.2% | $404.4M | $1.30B |
| Saginaw, MI (3 branches) | 5 of 10 | 8.3% | $213.8M | $2.59B |
| Flint, MI (1 branch) | 7 of 8 | 1.3% | $70.0M | $5.44B |
| Jackson, MI (1 branch) | 8 of 12 | 2.4% | $58.3M | $2.44B |
| Muskegon, MI (1 branch) | 7 of 7 | 2.5% | $51.7M | $2.05B |
| Big Rapids, MI (1 branch) | 6 of 8 | 6.6% | $48.6M | $731.7M |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Troy Main Branch | Troy, MI | 48084 | $382.2M |
| Independent Bank (main office) | Grand Rapids, MI | 49525 | $171.2M |
| Garfield Avenue Branch | Traverse City, MI | 49686 | $156.8M |
| East Lansing Branch | East Lansing, MI | 48823 | $153.8M |
| Ionia Point Branch | Ionia, MI | 48846 | $142.6M |
| Northgate Branch | Bad Axe, MI | 48413 | $134.2M |
| Traverse City Branch | Traverse City, MI | 49684 | $129.9M |
| Shelby Township Branch | Shelby Township, MI | 48317 | $126.6M |
| Caro Branch | Caro, MI | 48723 | $125.9M |
| Bay City Branch | Bay City, MI | 48708 | $125.3M |
| Farmington Hills Branch | Farmington Hills, MI | 48334 | $120.0M |
| Charlotte Branch | Charlotte, MI | 48813 | $110.9M |
| Cedar Springs Branch | Cedar Springs, MI | 49319 | $106.7M |
| Copper Ridge Branch | Traverse City, MI | 49684 | $106.0M |
| Livonia Branch | Livonia, MI | 48154 | $104.8M |
| Bay City Euclid Branch | Bay City, MI | 48706 | $101.3M |
| Cascade Road Branch | Grand Rapids, MI | 49546 | $99.8M |
| Rockford Branch | Rockford, MI | 49341 | $95.0M |
| Newaygo Branch | Newaygo, MI | 49337 | $94.1M |
| Holland Branch | Holland, MI | 49424 | $89.9M |
| Sparta Branch | Sparta, MI | 49345 | $87.2M |
| Sebewaing M-25 Branch | Sebewaing, MI | 48759 | $84.1M |
| Saginaw State St Branch | Saginaw, MI | 48602 | $81.4M |
| Standish Branch | Standish, MI | 48658 | $80.9M |
| White Cloud Branch | White Cloud, MI | 49349 | $79.9M |
| Essexville Branch | Essexville, MI | 48732 | $77.3M |
| Beverly Hills Branch | Beverly Hills, MI | 48025 | $76.8M |
| Clinton Township Branch | Clinton Township, MI | 48038 | $72.3M |
| Clio Branch | Clio, MI | 48420 | $70.0M |
| Saginaw Center Branch | Saginaw, MI | 48638 | $68.1M |
| Sand Lake Branch | Sand Lake, MI | 49343 | $66.0M |
| Grand Rapids Downtown Branch | Grand Rapids, MI | 49503 | $65.9M |
| Howard City Branch | Howard City, MI | 49329 | $65.0M |
| Fashion Square Mall Branch | Saginaw, MI | 48604 | $64.3M |
| Portland Branch | Portland, MI | 48875 | $62.6M |
| Carson City Branch | Carson City, MI | 48811 | $62.3M |
| Standale Branch | Walker, MI | 49534 | $61.7M |
| Auburn Branch | Auburn, MI | 48611 | $61.7M |
| Leslie Office Branch | Leslie, MI | 49251 | $61.2M |
| North Branch | North Branch, MI | 48461 | $60.2M |
| Belding Branch | Belding, MI | 48809 | $59.2M |
| Bellevue Branch | Bellevue, MI | 49021 | $59.2M |
| Pleasant Lake Branch | Pleasant Lake, MI | 49272 | $58.3M |
| Williamston Branch | Williamston, MI | 48895 | $57.2M |
| Okemos Branch | Okemos, MI | 48864 | $56.1M |
| Marlette Branch | Marlette, MI | 48453 | $52.5M |
| Muskegon Branch | Muskegon, MI | 49441 | $51.7M |
| Eaton Rapids Branch | Eaton Rapids, MI | 48827 | $50.7M |
| Brighton Branch | Brighton, MI | 48116 | $49.6M |
| Big Rapids Branch | Big Rapids, MI | 49307 | $48.6M |
| Caseville Branch | Caseville, MI | 48725 | $48.1M |
| Mason Branch | Mason, MI | 48854 | $45.1M |
| Cass City Branch | Cass City, MI | 48726 | $44.3M |
| Plainfield Office | Grand Rapids, MI | 49505 | $44.1M |
| Suttons Bay Branch | Suttons Bay, MI | 49682 | $42.5M |
| Pinconning Branch | Pinconning, MI | 48650 | $38.8M |
| Saranac Branch | Saranac, MI | 48881 | $37.3M |
| Ionia Main Branch | Ionia, MI | 48846 | $0 |
| North Branch Drive Up | North Branch, MI | 48461 | $0 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 27811) · FFIEC NIC profile (RSSD 636771)