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Bay City, MI Metro Area Bank Deposit Market Share

The Huntington National Bank holds the largest share of deposits in the Bay City, MI metro area, 36.9%, followed by Independent Bank (31.2%) and PNC Bank, N.A. (15.5%). 7 institutions hold $1.30B at 19 offices as of June 30, 2026, down 0.4% from 2025.

Institutions: 7 Offices: 19 Deposits: $1.30B Survey: FDIC Summary of Deposits, June 30, 2026

Largest share changes since 2025

Gained: Thumb Bank & Trust (1.69 points); Fifth Third Bank, N.A. (0.43 points).

Lost: The Huntington National Bank (-1.12 points); 1st State Bank (-0.52 points); Independent Bank (-0.29 points).

# Institution Offices Deposits Market share Share change from 2025 Deposit change
1 The Huntington National Bank 7 $477.7M 36.89% -1.12 pts -3.4%
2 Independent Bank 5 $404.4M 31.22% -0.29 pts -1.3%
3 PNC Bank, N.A. 2 $201.0M 15.52% -0.20 pts -1.7%
4 Thumb Bank & Trust 1 $83.8M 6.47% +1.69 pts 34.8%
5 1st State Bank 2 $73.3M 5.66% -0.52 pts -8.8%
6 Fifth Third Bank, N.A. 1 $55.0M 4.25% +0.43 pts 10.9%
7 Isabella Bank 1 $0 <0.01% 0.00 pts New

About this list

Deposits are those held at each institution's offices in Bay City, MI (the Census Bureau core based statistical area) as of June 30, 2026, from the FDIC Summary of Deposits, whatever state the institution is headquartered in. Market share is the institution's deposits divided by all deposits in the market. Shares are by bank charter, not rolled up to the holding company, and cover FDIC-insured institutions only, so credit unions are not included. Each office is placed in its county and metro area by the FDIC branch directory; the few offices the directory does not list are left out of the market and of every share.

Share change compares the institution's share in 2025 and 2026 in percentage points. Deposit change compares its deposits here in the two years and includes deposits that moved through mergers and branch sales; "New" means it had no offices here a year earlier. Offices that closed during the year are placed by their ZIP code or city.

Counties in this metro area

Bay County, MI

Statewide deposits

Michigan

Largest metro areas

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