Business · MI
Business lenders in Michigan
198 lenders with an office in Michigan hold commercial and industrial loans on their books. Macatawa Bank, National Association, based in Michigan, holds the largest book among those based here, at $1.4B.
- Evidence
- Lender holds commercial and industrial loans on its books at the latest filing and has an office in Michigan
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Lenders with an office here
- 198
- FDIC call report,
- Based here
- 158
- FDIC call report,
- Held by those based here
- $8.27B
- FDIC call report,
- +12.6% from a year earlier
- Median book, based here
- $7.20M
- FDIC call report,
Cite this
Source: The Lender Report, Business lenders in Michigan, https://lender.report/business-lenders/michigan/, data as of June 30, 2026.
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| Lender | Kind | Based in | Offices here | Holds | Growth, 12 months |
|---|---|---|---|---|---|
| Macatawa Bank, National Association | Bank | Holland, MI | 28 | $1.36B | +42.7% |
| Mercantile Bank | Bank | Grand Rapids, MI | 41 | $1.17B | |
| Bank of Ann Arbor | Bank | Ann Arbor, MI | 18 | $655M | |
| Independent Bank | Bank | Grand Rapids, MI | 59 | $646M | +14.5% |
| ChoiceOne Bank | Bank | Sparta, MI | 50 | $384M | +15.5% |
| Oxford Bank | Bank | Oxford, MI | 9 | $258M | +36.9% |
| County National Bank | Bank | Hillsdale, MI | 15 | $232M | |
| West Michigan Community Bank | Bank | Hudsonville, MI | 8 | $187M | +20.3% |
| First Independence Bank | Bank | Detroit, MI | 2 | $185M | +66.9% |
| Isabella Bank | Bank | Mount Pleasant, MI | 32 | $177M | +7.1% |
| Southern Michigan Bank & Trust | Bank | Coldwater, MI | 21 | $173M | +15.4% |
| Lake Michigan Credit Union | Credit union | Grand Rapids, MI | 57 | $162M | +14.3% |
| Northstar Bank | Bank | Bad Axe, MI | 11 | $148M | +8.5% |
| First State Bank | Bank | Eastpointe, MI | 11 | $144M | +20.4% |
| Dfcu Financial Credit Union | Credit union | Dearborn, MI | 30 | $126M | +74.8% |
| First National Bank of Michigan | Bank | Kalamazoo, MI | 7 | $116M | |
| West Shore Bank | Bank | Ludington, MI | 9 | $114M | +8.3% |
| 1st State Bank | Bank | Saginaw, MI | 5 | $107M | +1.6% |
| The Dart Bank | Bank | Mason, MI | 4 | $90.8M | |
| Superior National Bank | Bank | Hancock, MI | 10 | $77.3M | +9.6% |
| Lender | Kind | Based in | Offices here | Holds, nationwide |
|---|---|---|---|---|
| Bank of America, National Association | Bank | Charlotte, NC | 72 | $323B |
| JPMorgan Chase Bank, National Association | Bank | Columbus, OH | 171 | $242B |
| Wells Fargo Bank, National Association | Bank | Sioux Falls, SD | 1 | $200B |
| PNC Bank, National Association | Bank | Wilmington, DE | 124 | $117B |
| Fifth Third Bank, National Association | Bank | Cincinnati, OH | 259 | $70.4B |
| The Huntington National Bank | Bank | Columbus, OH | 435 | $54.4B |
| KeyBank National Association | Bank | Cleveland, OH | 19 | $37.4B |
| Citizens Bank, National Association | Bank | Providence, RI | 65 | $28.0B |
| CIBC Bank USA | Bank | Chicago, IL | 1 | $12.2B |
| Flagstar Bank, National Association | Bank | Hicksville, NY | 101 | $12.1B |
- 158 of these lenders are based in Michigan, and 40 are based elsewhere with offices here. FDIC call report,
- These lenders: 93 banks, 2 savings institutions and 103 credit unions. FDIC call report,
- Lenders based in Michigan hold $8.3B of commercial and industrial loans, up 12.6% from a year earlier. FDIC call report,
- The five largest books based here hold 50.9% of that total. FDIC call report,
- Macatawa Bank, National Association holds $1.4B, and Mercantile Bank holds $1.2B. FDIC call report,
- The median book among lenders based in Michigan is $7.2M. FDIC call report,
- 60 lenders based here grew this book by 10% or more in the year to June 30, 2026. FDIC call report,
- 18 lenders based here hold $100M or more of it. FDIC call report,
- These lenders list 3,016 offices in Michigan. FDIC office list,
- The Huntington National Bank, based in Ohio, lists the most offices here among out-of-state lenders, at 435. FDIC office list,
- Among credit unions here, the median average loan in this category is $92K. NCUA 5300,
- Eaton Community Bank grew this book the most in the year, up 150.8% to $24.9M. FDIC call report,
How this list is defined
- Measure
- commercial and industrial loans held by lenders with an office in Michigan
- Period
- June 30, 2026
- Formula
- The balance of commercial and industrial loans on the lender's June 30, 2026 filing, for a lender with an office in Michigan. A balance held, not loans made.
- Order
- Largest first by the book held at the latest filing, then name. Payment is not part of the order.
- As of
- June 30, 2026
- Source
- FDIC call report
- Changelog
- : First published, with the data built on this date.
Commercial and industrial loans are loans to businesses for equipment, working capital and the like, usually not secured by real estate.
Call reports give one balance per institution, not by state, and they carry balances, not loans made. The figure shown is the whole institution's book.
Growth appears only where a book grew over the 12 months. Each lender's own page has its full record.
A lender counts here if it holds commercial and industrial loans on its books at the latest filing and has an office in Michigan. Lenders that merged or stopped filing are left out.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.