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Ottawa County, MI Bank Deposit Market Share

The Huntington National Bank holds the largest share of deposits in Ottawa County, MI, 22.6%, followed by Macatawa Bank, N.A. (21.6%) and Fifth Third Bank, N.A. (20.2%). 15 institutions hold $6.14B at 61 offices as of June 30, 2026, up 5.1% from 2025.

Institutions: 15 Offices: 61 Deposits: $6.14B Survey: FDIC Summary of Deposits, June 30, 2026

Largest share changes since 2025

Gained: West Michigan Community Bank (1.18 points); Macatawa Bank, N.A. (0.59 points); Independent Bank (0.42 points).

Lost: Fifth Third Bank, N.A. (-1.27 points); The Huntington National Bank (-0.73 points); Flagstar Bank, N.A. (-0.37 points).

# Institution Offices Deposits Market share Share change from 2025 Deposit change
1 The Huntington National Bank 12 $1.39B 22.58% -0.73 pts 1.8%
2 Macatawa Bank, N.A. 15 $1.33B 21.60% +0.59 pts 8.0%
3 Fifth Third Bank, N.A. 9 $1.24B 20.17% -1.27 pts -1.1%
4 West Michigan Community Bank 6 $891.6M 14.53% +1.18 pts 14.3%
5 JPMorgan Chase Bank, N.A. 4 $521.3M 8.49% +0.06 pts 5.8%
6 PNC Bank, N.A. 3 $178.8M 2.91% -0.09 pts 1.8%
7 Flagstar Bank, N.A. 2 $161.5M 2.63% -0.37 pts -8.0%
8 ChoiceOne Bank 2 $120.9M 1.97% -0.04 pts 3.0%
9 Independent Bank 1 $89.9M 1.46% +0.42 pts 47.6%
10 Horizon Bank 1 $56.4M 0.92% +0.02 pts 7.4%
11 United Bank of Michigan 2 $52.6M 0.86% +0.06 pts 12.8%
12 First National Bank of Michigan 1 $48.0M 0.78% +0.16 pts 32.1%
13 Old National Bank 1 $33.5M 0.55% +0.08 pts 24.0%
14 Mercantile Bank 1 $28.7M 0.47% -0.07 pts -9.4%
15 Commercial Bank 1 $5.2M 0.09% +0.01 pts 15.2%

About this list

Deposits are those held at each institution's offices in Ottawa 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 Grand Rapids-Kentwood, MI metro area Michigan bank directory

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