Lists · Deposits by county

Oakland County, MI Bank Deposit Market Share

Bank of America, N.A. holds the largest share of deposits in Oakland County, MI, 26.7%, followed by Flagstar Bank, N.A. (15.0%) and JPMorgan Chase Bank, N.A. (14.8%). 29 institutions hold $76.30B at 253 offices as of June 30, 2026, down 7.2% from 2025.

Institutions: 29 Offices: 253 Deposits: $76.30B Survey: FDIC Summary of Deposits, June 30, 2026

Largest share changes since 2025

Gained: Fifth Third Bank, N.A. (8.49 points); PNC Bank, N.A. (1.06 points); JPMorgan Chase Bank, N.A. (0.65 points).

Lost: Flagstar Bank, N.A. (-4.20 points); Bank of America, N.A. (-0.91 points); Horizon Bank (-0.07 points).

#	Institution	Offices	Deposits	Market share	Share change from 2025	Deposit change
1	Bank of America, N.A.	22	$20.36B	26.69%	-0.91 pts	-10.2%
2	Flagstar Bank, N.A.	25	$11.47B	15.03%	-4.20 pts	-27.4%
3	JPMorgan Chase Bank, N.A.	39	$11.28B	14.79%	+0.65 pts	-2.9%
4	PNC Bank, N.A.	19	$9.61B	12.60%	+1.06 pts	1.4%
5	Fifth Third Bank, N.A.	53	$8.85B	11.59%	+8.49 pts	247.4%
6	The Huntington National Bank	31	$6.87B	9.00%	+0.59 pts	-0.7%
7	Citizens Bank, N.A.	19	$1.95B	2.55%	+0.15 pts	-1.2%
8	CIBC Bank USA	1	$1.44B	1.89%	+0.21 pts	4.5%
9	Oxford Bank	6	$713.4M	0.93%	+0.12 pts	6.7%
10	First Merchants Bank	9	$658.4M	0.86%	+0.07 pts	1.5%
11	Independent Bank	3	$578.9M	0.76%	+0.10 pts	7.3%
12	Citizens State Bank	2	$463.7M	0.61%	+0.23 pts	48.3%
13	Bank of Ann Arbor	2	$413.9M	0.54%	+0.12 pts	19.8%
14	Waterford Bank, N.A.	2	$286.8M	0.38%	+0.05 pts	7.0%
15	Huron Valley State Bank	3	$261.4M	0.34%	+0.07 pts	16.4%
16	Mi Bank	1	$220.9M	0.29%	+0.01 pts	-3.3%
17	Mercantile Bank	1	$193.8M	0.25%	+0.12 pts	71.0%
18	The Northern Trust Company	1	$165.7M	0.22%	+0.02 pts	0.6%
19	Superior National Bank	2	$139.9M	0.18%	+0.03 pts	11.8%
20	The Farmers & Merchants State Bank	2	$98.7M	0.13%	+0.06 pts	75.7%
21	Community Unity Bank	1	$85.8M	0.11%	+0.05 pts	66.3%
22	KeyBank N.A.	2	$62.3M	0.08%	-0.01 pts	-19.2%
23	ChoiceOne Bank	1	$58.6M	0.08%	-0.04 pts	-37.5%
24	Horizon Bank	1	$34.3M	0.04%	-0.07 pts	-64.2%
25	First State Bank	1	$21.6M	0.03%	+0.00 pts	1.7%
26	First Community Bank	1	$16.3M	0.02%	+0.01 pts	42.1%
27	Wilmington Trust, N.A.	1	$0	<0.01%	0.00 pts	New
27	Wells Fargo Bank, N.A.	1	$0	<0.01%	0.00 pts	New
27	CIBC National Trust Company	1	$0	<0.01%	0.00 pts	New

About this list

Deposits are those held at each institution's offices in Oakland County 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.

Wider markets

Michigan deposits by institution Detroit-Warren-Dearborn, MI metro area Michigan bank directory

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