State Hub
Banks in Michigan
All FDIC-insured banks headquartered in Michigan
Every FDIC-insured commercial bank headquartered in Michigan, with the most recent quarterly call report data — total assets, deposits, capital ratios, asset quality, and profitability. Click any bank for the full performance profile.
Michigan is home to 79 FDIC-insured banks headquartered in the state, with $76.45B in combined assets and $61.31B in deposits. The largest is Northpointe Bank ($7.40B) — about 10% of the group's total banking assets , followed by First National Bank of America and Mercantile Bank . Across these banks, the asset-weighted return on assets is 1.21% and the median CET1 capital ratio is 14.54% .
Banks
79
Total Assets
$76.45B
Total Deposits
$61.31B
Avg ROA
1.21%
Median CET1
14.54%
Largest by Assets
| Bank | HQ | Assets | ROA | NIM | Eff. | CET1 | NPL | Texas |
|---|---|---|---|---|---|---|---|---|
| NORTHPOINTE BANK | GRAND RAPIDS , MI | $7.40B | 1.38% | 2.51% | 51.5% | 10.89% | 1.27% | 13.8% |
| FIRST NATIONAL BANK OF AMERICA | EAST LANSING , MI | $6.76B | 2.71% | 4.68% | 27.0% | 15.17% | 1.91% | 20.9% |
| MERCANTILE BANK | GRAND RAPIDS , MI | $6.36B | 1.52% | 3.50% | 55.8% | 12.78% | 0.37% | 2.3% |
| INDEPENDENT BANK | GRAND RAPIDS , MI | $5.55B | 1.26% | 3.64% | 63.6% | 11.43% | 0.87% | 7.2% |
| CHOICEONE BANK | SPARTA , MI | $4.39B | 1.30% | 3.67% | 55.2% | 11.77% | 0.96% | 8.1% |
| MACATAWA BANK, NATIONAL ASSOCIATION | HOLLAND , MI | $3.48B | 2.02% | 4.24% | 31.7% | 12.05% | 0.15% | 1.6% |
| BANK OF ANN ARBOR | ANN ARBOR , MI | $3.33B | 1.92% | 4.39% | 44.4% | 13.54% | 0.35% | 2.4% |
| STERLING BANK AND TRUST, FSB | SOUTHFIELD , MI | $2.30B | -6.20% | 2.75% | -76.3% | — | 1.34% | 3.2% |
| ISABELLA BANK | MOUNT PLEASANT , MI | $2.20B | 1.05% | 3.32% | 65.2% | 11.36% | 0.90% | 7.3% |
| The State Bank | Fenton , MI | $1.81B | 1.02% | 2.91% | 61.9% | 12.08% | 0.80% | 7.0% |
| SOUTHERN MICHIGAN BANK & TRUST | COLDWATER , MI | $1.70B | 0.84% | 3.30% | 67.2% | 10.85% | 0.90% | 10.1% |
| DART BANK, THE | MASON , MI | $1.37B | 1.11% | 4.49% | 82.4% | 11.20% | 1.93% | 17.6% |
| FIRST STATE BANK | EASTPOINTE , MI | $1.35B | 1.20% | 3.38% | 63.1% | — | 0.86% | 6.2% |
| COUNTY NATIONAL BANK | HILLSDALE , MI | $1.33B | 0.96% | 3.92% | 70.4% | 11.18% | 1.59% | 13.4% |
| WEST MICHIGAN COMMUNITY BANK | HUDSONVILLE , MI | $1.20B | 1.38% | 3.73% | 50.6% | — | 1.43% | 16.2% |
| UNIVERSITY BANK | ANN ARBOR , MI | $1.14B | 0.69% | 4.28% | 90.2% | — | 0.47% | 4.6% |
| NORTHSTAR BANK | BAD AXE , MI | $1.13B | 1.28% | 3.90% | 59.4% | — | 2.67% | 29.8% |
| UNITED BANK OF MICHIGAN | GRAND RAPIDS , MI | $1.09B | 1.16% | 3.57% | 64.1% | — | 0.12% | 0.9% |
| SUPERIOR NATIONAL BANK | HANCOCK , MI | $1.05B | 1.06% | 3.76% | 69.3% | 17.56% | 0.85% | 6.4% |
| STURGIS BANK & TRUST COMPANY | STURGIS , MI | $1.01B | 0.89% | 3.74% | 73.2% | 11.45% | 1.66% | 17.9% |
| FIRST NATIONAL BANK OF MICHIGAN | KALAMAZOO , MI | $982.4M | 0.92% | 3.19% | 59.8% | 10.94% | 0.99% | 8.1% |
| OXFORD BANK | OXFORD , MI | $902.1M | 0.67% | 4.79% | 71.0% | 13.29% | 2.44% | 19.7% |
| FIRST INDEPENDENCE BANK | DETROIT , MI | $875.0M | 3.46% | 3.46% | 58.2% | — | 1.02% | 7.4% |
| WEST SHORE BANK | LUDINGTON , MI | $828.1M | 0.87% | 3.94% | 75.1% | 11.77% | 0.41% | 3.3% |
| THUMB BANK & TRUST | PIGEON , MI | $692.0M | 1.61% | 4.40% | 54.1% | 13.77% | 0.03% | 0.2% |
| TRI-COUNTY BANK | BROWN CITY , MI | $638.7M | 2.25% | 4.96% | 38.7% | — | 1.37% | 8.2% |
| FIRST BANK, UPPER MICHIGAN | GLADSTONE , MI | $632.1M | 1.93% | 4.23% | 59.0% | 16.11% | 0.85% | 5.2% |
| RANGE BANK | MARQUETTE , MI | $619.8M | 1.31% | 3.73% | 60.6% | 15.17% | 0.15% | 0.9% |
| HIGHPOINT COMMUNITY BANK | HASTINGS , MI | $597.2M | 0.70% | 3.28% | 68.4% | 14.59% | 0.05% | 0.4% |
| EASTERN MICHIGAN BANK | CROSWELL , MI | $567.8M | 1.38% | 4.64% | 49.0% | 17.12% | 0.62% | 2.1% |
| COMMERCIAL BANK | ITHACA , MI | $564.4M | 1.27% | 4.02% | 61.5% | 17.62% | 0.33% | 2.1% |
| CITIZENS STATE BANK | ROYAL OAK , MI | $543.8M | 1.83% | 4.40% | 46.1% | — | 0.24% | 2.0% |
| EATON COMMUNITY BANK | CHARLOTTE , MI | $534.2M | 0.71% | 3.43% | 74.0% | — | 1.28% | 6.8% |
| GRAND RIVER BANK | GRANDVILLE , MI | $510.5M | 0.63% | 2.77% | 81.1% | 12.40% | 0.38% | 3.0% |
| CENTURY BANK AND TRUST | COLDWATER , MI | $495.0M | 1.93% | 4.30% | 52.8% | 22.98% | 0.64% | 3.4% |
| CENTRAL SAVINGS BANK | SAULT SAINTE MARIE , MI | $488.2M | 2.21% | 4.67% | 46.1% | 14.62% | 0.00% | 0.0% |
| 1ST STATE BANK | SAGINAW , MI | $484.2M | 1.35% | 4.18% | 60.2% | 14.78% | 0.65% | 3.3% |
| LAKE-OSCEOLA STATE BANK | BALDWIN , MI | $481.4M | 1.76% | 3.90% | 54.3% | 19.19% | 0.52% | 2.7% |
| Auto Club Trust, FSB | Dearborn , MI | $466.1M | -0.74% | 1.36% | 126.0% | 17.93% | 0.94% | 10.8% |
| CITIZENS NATIONAL BANK OF CHEBOYGAN | CHEBOYGAN , MI | $463.9M | 0.72% | 3.72% | 77.7% | 14.36% | 1.57% | 16.8% |
| CHELSEA STATE BANK | CHELSEA , MI | $422.3M | 1.27% | 3.92% | 64.7% | 18.70% | 1.23% | 7.5% |
| FIRST COMMUNITY BANK | HARBOR SPRINGS , MI | $414.0M | 1.88% | 5.39% | 63.9% | 11.85% | 0.00% | 0.0% |
| FIRST NATIONAL BANK & TRUST | IRON MOUNTAIN , MI | $413.8M | 0.82% | 3.63% | 68.0% | 15.39% | 7.17% | 39.3% |
| HONOR BANK | HONOR , MI | $413.4M | 1.43% | 4.19% | 62.6% | 12.27% | 0.17% | 1.3% |
| STATE SAVINGS BANK | FRANKFORT , MI | $404.6M | 0.45% | 4.71% | 87.4% | — | 0.19% | 4.1% |
| SHELBY STATE BANK, THE | SHELBY , MI | $391.5M | 0.80% | 3.68% | 75.2% | 13.51% | 0.81% | 5.4% |
| UNION BANK | GRAND RAPIDS , MI | $381.1M | 0.24% | 4.27% | 78.5% | 9.53% | 1.09% | 9.7% |
| UPPER PENINSULA STATE BANK | ESCANABA , MI | $371.0M | 1.28% | 4.32% | 63.3% | — | 1.12% | 6.7% |
| FIRST NATIONAL BANK OF SAINT IGNACE, THE | SAINT IGNACE , MI | $334.4M | 0.63% | 2.91% | 74.0% | 16.03% | 0.50% | 3.0% |
| ALDEN STATE BANK | ALDEN , MI | $317.9M | 1.68% | 4.31% | 51.9% | — | 1.34% | 6.9% |
| HURON COMMUNITY BANK | EAST TAWAS , MI | $316.2M | 0.58% | 3.93% | 79.1% | — | 0.38% | 8.1% |
| DEARBORN FEDERAL SAVINGS BANK | DEARBORN , MI | $298.6M | 0.14% | 2.86% | 93.8% | — | 0.57% | 1.4% |
| HURON VALLEY STATE BANK | MILFORD , MI | $286.7M | 0.88% | 4.17% | 72.1% | 10.78% | 2.72% | 20.8% |
| MI BANK | BLOOMFIELD TOWNSHIP , MI | $256.9M | 1.03% | 3.48% | 61.4% | 10.36% | 0.21% | 1.7% |
| CHARLEVOIX STATE BANK | CHARLEVOIX , MI | $245.3M | 2.09% | 4.60% | 58.6% | 18.50% | 0.31% | 1.6% |
| CAPITOL NATIONAL BANK | LANSING , MI | $199.9M | 1.85% | 5.02% | 56.4% | — | 0.94% | 4.2% |
| NORTHERN INTERSTATE BANK, NATIONAL ASSOCIATION | NORWAY , MI | $193.2M | 0.83% | 3.11% | 69.5% | — | 1.09% | 9.1% |
| PEOPLES STATE BANK OF MUNISING | MUNISING , MI | $188.1M | 0.42% | 3.21% | 83.6% | — | 3.51% | 17.6% |
| STATE SAVINGS BANK OF MANISTIQUE, THE | MANISTIQUE , MI | $182.8M | 0.67% | 2.94% | 74.9% | — | 0.18% | 1.5% |
| BAYBANK | GLADSTONE , MI | $175.1M | 1.42% | 4.66% | 61.1% | — | 0.78% | 10.9% |
| BANK MICHIGAN | BROOKLYN , MI | $159.7M | 0.47% | 4.76% | 88.6% | 14.54% | 1.42% | 8.5% |
| BAY PORT STATE BANK | BAY PORT , MI | $150.1M | 1.23% | 4.77% | 64.4% | — | 0.51% | 3.7% |
| SIDNEY STATE BANK | SIDNEY , MI | $143.2M | 1.92% | 5.06% | 49.0% | — | 0.01% | 0.8% |
| GOGEBIC RANGE BANK | IRONWOOD , MI | $142.5M | -10.04% | 3.58% | 370.9% | — | 2.35% | 13.5% |
| MINERS STATE BANK, THE | IRON RIVER , MI | $141.3M | 1.18% | 4.10% | 70.4% | — | 0.05% | 3.1% |
| COMERICA BANK & TRUST, NATIONAL ASSOCIATION | ANN ARBOR , MI | $125.3M | 4.90% | 0.89% | 92.0% | 267.22% | — | 0.0% |
| KALAMAZOO COUNTY STATE BANK | SCHOOLCRAFT , MI | $120.9M | 0.50% | 4.00% | 83.5% | 20.09% | 0.09% | 1.2% |
| BLISSFIELD STATE BANK | BLISSFIELD , MI | $119.0M | 1.18% | 3.57% | 67.8% | — | 1.24% | 17.4% |
| G.W. JONES EXCHANGE BANK | MARCELLUS , MI | $107.9M | 0.28% | 2.61% | 91.1% | 39.67% | 0.00% | 0.8% |
| MAYVILLE STATE BANK | MAYVILLE , MI | $97.4M | 0.86% | 3.59% | 72.2% | — | 1.48% | 6.6% |
| HURON STATE BANK | ROGERS CITY , MI | $96.5M | 0.79% | 3.14% | 71.5% | — | 2.10% | 10.6% |
| COMMUNITY UNITY BANK | BIRMINGHAM , MI | $95.2M | -2.01% | 2.56% | 165.0% | 29.17% | 0.00% | 0.0% |
| FIRST STATE BANK OF MICHIGAN | DECATUR , MI | $83.2M | -1.35% | 3.59% | 126.4% | — | 1.09% | 4.6% |
| HOMESTEAD SAVINGS BANK | ALBION , MI | $73.3M | 0.72% | 4.78% | 78.7% | 17.59% | 1.19% | 8.7% |
| JPMORGAN CHASE BANK, DEARBORN | DEARBORN , MI | $71.0M | 2.75% | 4.11% | 0.3% | 506.72% | — | 0.0% |
| PORT AUSTIN STATE BANK, THE | PORT AUSTIN , MI | $68.4M | 1.74% | 4.23% | 54.9% | — | 0.00% | 0.0% |
| FIRST NATIONAL BANK OF WAKEFIELD, THE | WAKEFIELD , MI | $53.3M | 0.59% | 4.16% | 83.9% | 23.72% | 0.59% | 5.2% |
| GREENLEAF TRUST NATIONAL ASSOCIATION | KALAMAZOO , MI | $43.9M | 34.40% | 3.74% | 79.2% | — | — | 0.0% |
| PLANTE MORAN TRUST, NATIONAL ASSOCIATION | SOUTHFIELD , MI | $21.3M | 20.10% | 3.59% | 79.7% | 17579.35% | — | 0.0% |
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Michigan bank rankings
See Michigan banks ranked by the metrics that matter — size, profitability, capital, asset quality, and funding.
Largest Michigan banks by assets Largest by deposits Highest ROA (return on assets) Highest ROE (return on equity) Highest net interest margin Highest CET1 capital ratio Highest leverage ratio Lowest Texas Ratio (safest) Highest Texas Ratio (riskiest) Highest uninsured-deposit ratio Highest loan-to-deposit ratio Most efficient (lowest efficiency ratio)
Data sourced from FFIEC call reports — current as of Q1 2026. See /data-updates/ for the full refresh schedule.
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