Michigan Bank Stress by County
Bank stress across Michigan is above the national norm: counties average 65/100, 8th of 52 states.
98 banks lend across 82 Michigan counties.
35 of Michigan's 82 counties score 65+, peaking at 90/100.
Most stressed in Michigan: Alcona County 86/100, Gogebic County 82/100, Iron County 78/100, Mackinac County 78/100, Presque Isle County 76/100.
74 banks are chartered in Michigan with $72.6 billion in Michigan assets; 2 Michigan banks reported a net loss (Michigan) on the latest call report; 29 banks on Michigan alerts score 70 or higher; 79 Michigan counties carry a bank area-distress alert.
Largest Michigan-chartered banks by assets: Northpointe Bank $7.5 billion (stress 66); First Nb Of America $6.8 billion (stress 46); Mercantile Bank $6.2 billion (stress 52) in Michigan; Independent Bank $5.7 billion (stress 67); Choiceone Bank $4.5 billion (stress 60).
Reading the Michigan bank figures: a Michigan bank's stress score comes from its own Michigan FDIC call report (capital, earnings, Michigan real-estate loan concentration), so 2 loss-making Michigan charters and 29 Michigan banks at 70 or higher are read from Michigan filings directly; the Michigan county pages map each lender's Michigan branches to the Michigan counties it exposes.
Most bank-stressed counties in Michigan
Most-stressed banks operating in Michigan
Complete list: all 67 banks lending in Michigan (A–Z) →
Lenders with the highest DLRadar stress scores footprinting Michigan markets — each scored from public FDIC financials.
All 67 banks lending in Michigan, A–Z
Every FDIC-insured bank lending into Michigan real estate that DLRadar scores; Michigan charters since merged or retired are kept as historical MI profiles.
- 1st Source Bank
- 1st State Bank
- Bank Michigan
- Bank Of America NA
- Bank Of Ann Arbor
- Century Bank&Trust
- Choiceone Bank
- Cibc Bank USA
- Cibc National Trust Co
- Citizens Bank National Assn
- Citizens Nb Of Cheboygan
- Commercial Bank
- County National Bank
- Eastern Michigan Bank
- Eaton Community Bank
- Farmers&Merchants State Bank
- Farmers State Bank
- Fifth Third Bank NA
- First Bank Upper Michigan
- First Community Bank
- First Financial Bank
- First Independence Bank
- First Merchants Bank
- First National Bank&Trust Co
- First Nb Of America
- First Nb Of Michigan
- Flagstar Bank National Assn
- Highpoint Community Bank
- Homestead Savings Bank
- Honor Bank
- Horizon Bank
- Huntington National Bank
- Huron Community Bank
- Incrediblebank
- Independent Bank
- Isabella Bank
- Jpmorgan Chase Bank NA
- Keybank National Assn
- Lake-Osceola State Bank
- Liberty Bank&Trust Co
- Macatawa Bank National Assn
- Mercantile Bank
- Miners State Bank
- Nicolet National Bank
- Northern Interstate Bank N A
- Northern Trust Co
- Northstar Bank
- Old National Bank
- Oxford Bank
- Pnc Bank National Assn
- Range Bank
- Shelby State Bank
- Southern Michigan Bank&Trust
- State Savings Bank
- Stephenson Nb&T
- Sturgis Bank&Trust Co
- Superior National Bank
- Thumb Bank&Trust
- Tri-County Bank
- Union Bank
- United Bank Of Michigan
- Upper Peninsula State Bank
- Waterford Bank N A
- Wells Fargo Bank NA
- Wesbanco Bank Inc
- West Shore Bank
- Wilmington Trust NA