RANKING ·
Largest net interest margin improvement in Michigan
65 of 74 banks in Michigan that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets and a comparable quarter a year earlier. Institutions with equal values share a rank. Source: FDIC quarterly financial data.
| Rank | Institution | Headquarters | Net interest margin, change over 12 months | Total assets |
|---|---|---|---|---|
| 1 | The First National Bank of Saint Ignace | St. Ignace, MI | +91 bps | $336 million |
| 2 | Charlevoix State Bank | Charlevoix, MI | +69 bps | $248 million |
| 3 | Eastern Michigan Bank | Croswell, MI | +66 bps | $554 million |
| 4 | Kalamazoo County State Bank | Schoolcraft, MI | +65 bps | $118 million |
| 5 | First National Bank & Trust | Iron Mountain, MI | +59 bps | $386 million |
| 6 | First National Bank of Michigan | Kalamazoo, MI | +58 bps | $989 million |
| 7 | Alden State Bank | Alden, MI | +51 bps | $318 million |
| 8 | Range Bank | Marquette, MI | +51 bps | $604 million |
| 9 | The Miners State Bank | Iron River, MI | +50 bps | $135 million |
| 10 | First Community Bank | Harbor Springs, MI | +49 bps | $414 million |
| 11 | Tri-County Bank | Brown City, MI | +45 bps | $639 million |
| 12 | Sidney State Bank | Sidney, MI | +43 bps | $139 million |
| 13 | Citizens National Bank of Cheboygan | Cheboygan, MI | +42 bps | $471 million |
| 14 | Isabella Bank | Mount Pleasant, MI | +41 bps | $2.2 billion |
| 15 | Union Bank | Grand Rapids, MI | +41 bps | $397 million |
| 16 | United Bank of Michigan | Grand Rapids, MI | +37 bps | $1.1 billion |
| 17 | Peoples State Bank of Munising | Munising, MI | +36 bps | $190 million |
| 18 | Upper Peninsula State Bank | Escanaba, MI | +35 bps | $372 million |
| 19 | First Independence Bank | Detroit, MI | +34 bps | $875 million |
| 20 | Baybank | Gladstone, MI | +34 bps | $173 million |
| 21 | Eaton Community Bank | Charlotte, MI | +33 bps | $543 million |
| 22 | First State Bank | Eastpointe, MI | +32 bps | $1.3 billion |
| 23 | Huron Community Bank | East Tawas, MI | +31 bps | $323 million |
| 24 | First Bank, Upper Michigan | Gladstone, MI | +30 bps | $629 million |
| 25 | Honor Bank | Honor, MI | +29 bps | $443 million |
| 26 | The Shelby State Bank | Shelby, MI | +29 bps | $397 million |
| 27 | Thumb Bank & Trust | Pigeon, MI | +27 bps | $673 million |
| 28 | Citizens State Bank | Royal Oak, MI | +25 bps | $581 million |
| 29 | The State Savings Bank of Manistique | Manistique, MI | +24 bps | $178 million |
| 30 | Grand River Bank | Grandville, MI | +23 bps | $507 million |
| 31 | Northern Interstate Bank N.A. | Norway, MI | +21 bps | $194 million |
| 32 | Bank of Ann Arbor | Ann Arbor, MI | +20 bps | $3.5 billion |
| 33 | Mi Bank | Bloomfield Towns, MI | +18 bps | $245 million |
| 34 | County National Bank | Hillsdale, MI | +18 bps | $1.4 billion |
| 35 | Superior National Bank | Hancock, MI | +16 bps | $1.0 billion |
| 36 | Commercial Bank | Ithaca, MI | +15 bps | $553 million |
| 37 | Southern Michigan Bank & Trust | Coldwater, MI | +15 bps | $1.7 billion |
| 38 | State Savings Bank | Frankfort, MI | +14 bps | $431 million |
| 39 | Sturgis Bank & Trust Company | Sturgis, MI | +13 bps | $1.0 billion |
| 40 | Bay Port State Bank | Bay Port, MI | +10 bps | $153 million |
| 41 | Macatawa Bank N.A. | Holland, MI | +9 bps | $3.7 billion |
| 42 | Highpoint Community Bank | Hastings, MI | +7 bps | $592 million |
| 43 | The Dart Bank | Mason, MI | +6 bps | $1.5 billion |
| 44 | Independent Bank | Grand Rapids, MI | +6 bps | $5.7 billion |
| 45 | Oxford Bank | Oxford, MI | +5 bps | $931 million |
| 46 | First National Bank of America | East Lansing, MI | +5 bps | $6.8 billion |
| 47 | Lake-Osceola State Bank | Baldwin, MI | +4 bps | $469 million |
| 48 | West Shore Bank | Ludington, MI | +3 bps | $834 million |
| 49 | University Bank | Ann Arbor, MI | +3 bps | $1.2 billion |
| 50 | Century Bank and Trust | Coldwater, MI | +1 bps | $494 million |
| 51 | Mercantile Bank | Grand Rapids, MI | 0 bps | $6.2 billion |
| 52 | Blissfield State Bank | Blissfield, MI | 0 bps | $115 million |
| 53 | Central Savings Bank | Sault Sainte Mar, MI | 0 bps | $517 million |
| 54 | Chelsea State Bank | Chelsea, MI | -2 bps | $417 million |
| 55 | Northpointe Bank | Grand Rapids, MI | -2 bps | $7.5 billion |
| 56 | West Michigan Community Bank | Hudsonville, MI | -8 bps | $1.2 billion |
| 57 | 1st State Bank | Saginaw, MI | -8 bps | $490 million |
| 58 | Community Unity Bank | Birmingham, MI | -8 bps | $107 million |
| 59 | Huron Valley State Bank | Milford, MI | -9 bps | $292 million |
| 60 | Dearborn Federal Savings Bank | Dearborn, MI | -10 bps | $307 million |
| 61 | Choiceone Bank | Sparta, MI | -12 bps | $4.5 billion |
| 62 | Northstar Bank | Bad Axe, MI | -13 bps | $1.2 billion |
| 63 | G.W. Jones Exchange Bank | Marcellus, MI | -18 bps | $123 million |
| 64 | Capitol National Bank | Lansing, MI | -43 bps | $209 million |
| 65 | Bank Michigan | Brooklyn, MI | -55 bps | $176 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings