County banking markets / MI / 26081
KentMichigan
FIPS 26081. Branch offices reported to the FDIC Summary of Deposits, June 30 of each survey year, 1994–2025. One of 82 counties in Michigan’s 2025 survey.
Concentration, 1994–2025
Branch-count HHI squares each institution’s share of the county’s branch offices; deposit HHI squares its share of county deposits. The bands are the 2010 Horizontal Merger Guidelines classification, the dashed line the 1,800 level above which the Federal Reserve reviews a merger centrally. In 2025 this market is unconcentrated on branches (871) and unconcentrated on deposits (1,144).
Source: FDIC Summary of Deposits | DOJ & FTC, Horizontal Merger Guidelines (2010), section 5.3 | Federal Reserve, Competitive Effects of Mergers and Acquisitions FAQs Both indices computed from the SOD branch rows for this county, June 30 of each survey year. Neither is the Fed's screen HHI: no thrift weighting, no exclusion of specialty and internet banks, no central-booking adjustment. Methodology
Branches and institutions
174 branch offices and 22 institutions in 1994; 148 and 24 in 2025. Deposits booked in the county went from $6.19B to $24.33B, nominal.
Source: FDIC Summary of Deposits FDIC Summary of Deposits, June 30 of each survey year, 1994-2025. Methodology
Who holds the deposits, 2025
Every institution with a branch in the county, ranked by deposits booked here. Both shares are shown because they are the two indices above: squaring and summing the deposit column gives the deposit HHI, the branch column the branch-count HHI.
| # | Institution | Deposits | Deposit share | Branches | Branch share |
|---|---|---|---|---|---|
| 1 | Northpointe Bank cert 34953 | $4.50B | 18.48% | 1 | 0.68% |
| 2 | The Huntington National Bank cert 6560 | $4.01B | 16.49% | 19 | 12.84% |
| 3 | Fifth Third Bank, National Association cert 6672 | $3.98B | 16.36% | 25 | 16.89% |
| 4 | JPMorgan Chase Bank, National Association cert 628 | $2.36B | 9.72% | 19 | 12.84% |
| 5 | Mercantile Bank cert 34598 | $2.09B | 8.60% | 6 | 4.05% |
| 6 | Macatawa Bank, National Association cert 34618 | $1.54B | 6.33% | 11 | 7.43% |
| 7 | Independent Bank cert 27811 | $862.1M | 3.54% | 9 | 6.08% |
| 8 | Bank of America, National Association cert 3510 | $774.9M | 3.18% | 7 | 4.73% |
| 9 | ChoiceOne Bank cert 1014 | $744.0M | 3.06% | 7 | 4.73% |
| 10 | Comerica Bank cert 983 | $631.7M | 2.60% | 7 | 4.73% |
| 11 | PNC Bank, National Association cert 6384 | $513.5M | 2.11% | 9 | 6.08% |
| 12 | Grand River Bank cert 58789 | $431.0M | 1.77% | 2 | 1.35% |
| 13 | United Bank of Michigan cert 11807 | $392.8M | 1.61% | 6 | 4.05% |
| 14 | Old National Bank cert 3832 | $361.5M | 1.49% | 3 | 2.03% |
| 15 | Flagstar Bank, National Association cert 32541 | $319.5M | 1.31% | 5 | 3.38% |
| 16 | First National Bank of America cert 17438 | $225.4M | 0.93% | 1 | 0.68% |
| 17 | West Michigan Community Bank cert 22308 | $150.0M | 0.62% | 2 | 1.35% |
| 18 | First National Bank of Michigan cert 58259 | $127.0M | 0.52% | 1 | 0.68% |
| 19 | Horizon Bank cert 4360 | $94.4M | 0.39% | 1 | 0.68% |
| 20 | First Merchants Bank cert 4365 | $65.7M | 0.27% | 1 | 0.68% |
| 21 | First Community Bank cert 13179 | $47.2M | 0.19% | 1 | 0.68% |
| 22 | The Northern Trust Company cert 913 | $44.5M | 0.18% | 1 | 0.68% |
| 23 | Union Bank cert 14722 | $35.9M | 0.15% | 3 | 2.03% |
| 24 | Highpoint Community Bank cert 11407 | $24.7M | 0.10% | 1 | 0.68% |
Source: FDIC Summary of Deposits June 30, 2025. Branch rows grouped by FDIC certificate; names as reported to the survey. Deposit share is n/a where the county's total SOD deposits are zero. Methodology
Back to county banking markets, up to Michigan, or read the methodology for the two HHI constructions and what they cannot tell you.