Bank · FDIC insured
Independent Bank
A $5.7B bank, the 255th largest of 4,207, headquartered in Grand Rapids, MI, with 58 branches in Michigan. Best rates: CDs 3.09% and savings 0.07% APY.
Independent Bank Carrot Score
62
Carrot Score
Higher than 5% of U.S. banks and credit unions
#46 of 49 in Grand Rapids, MI metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Independent Bank
Independent Bank has operated since 1864 and maintains over 60 locations across Michigan.
Highpoint Community Bank customers are scheduled to transition to Independent Bank in November 2026.
- Headquarters
- 4200 E Beltline Ave Ne, Grand Rapids, MI 49525
- FDIC certificate
- 27811 ↗
Branches
58 branches in Michigan
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Michigan
58 branches
Grand Rapids area · 16
- Independent BankMain office4200 E Beltline Ave Ne, Grand Rapids, MI 49525Directions
- Belding Branch130 S Bridge St, Belding, MI 48809Directions
- Carson City Branch323 W Main St, Carson City, MI 48811Directions
- Cedar Springs Branch4115 17 Mile Rd Ne, Cedar Springs, MI 49319Directions
- Cascade Road Branch6750 Cascade Rd Se, Grand Rapids, MI 49546Directions
- Grand Rapids Downtown Branch77 Monroe Center St Nw, Grand Rapids, MI 49503Directions
- Plainfield Office3090 Plainfield Ave Ne, Grand Rapids, MI 49505Directions
- Holland Branch12368 Riley St, Holland, MI 49424Directions
- Howard City Branch720 W Shaw St, Howard City, MI 49329Directions
- Ionia Point Branch450 S Dexter St, Ionia, MI 48846Directions
- Portland Branch1601 E Grand River Ave, Portland, MI 48875Directions
- Rockford Branch78 S Main St, Rockford, MI 49341Directions
- Sand Lake Branch5 S 3rd St, Sand Lake, MI 49343Directions
- Saranac Branch29 Church St, Saranac, MI 48881Directions
- Sparta Branch525 S State St, Sparta, MI 49345Directions
- Standale Branch4525 Lake Michigan Dr Nw, Walker, MI 49534Directions
Detroit area · 9
- Beverly Hills Branch32800 Southfield Rd, Beverly Hills, MI 48025Directions
- Brighton Branch8700 N 2nd St, Brighton, MI 48116Directions
- Clinton Township Branch21250 Hall Road, Suite 200, Clinton Township, MI 48038Directions
- Farmington Hills Branch32900 Middlebelt Rd, Farmington Hills, MI 48334Directions
- Livonia Branch37601 5 Mile Rd, Livonia, MI 48154Directions
- North Branch4046 Huron St, North Branch, MI 48461Directions
- North Branch Drive Up3765 Huron St, North Branch, MI 48461Directions
- Shelby Township Branch49785 Van Dyke Ave, Shelby Township, MI 48317Directions
- Troy Main Branch201 W Big Beaver Rd, Troy, MI 48084Directions
Lansing area · 8
- Bellevue Branch111 East Capital Avenue, Bellevue, MI 49021Directions
- Charlotte Branch129 Lansing St, Charlotte, MI 48813Directions
- East Lansing Branch1380 W Lake Lansing Rd, East Lansing, MI 48823Directions
- Eaton Rapids Branch2461 S Michigan Rd, Eaton Rapids, MI 48827Directions
- Leslie Office Branch144 S Main St, Leslie, MI 49251Directions
- Mason Branch190 W Kipp Rd, Mason, MI 48854Directions
- Okemos Branch2119 Hamilton Rd, Okemos, MI 48864Directions
- Williamston Branch1245 E Grand River Rd, Williamston, MI 48895Directions
Bay City area · 5
- Auburn Branch1004 W Midland Rd, Auburn, MI 48611Directions
- Bay City Branch623 Washington Ave, Bay City, MI 48708Directions
- Bay City Euclid Branch745 N Euclid Ave, Bay City, MI 48706Directions
- Essexville Branch1615 W Center Rd, Essexville, MI 48732Directions
- Pinconning Branch408 S Mable St, Pinconning, MI 48650Directions
Traverse City area · 4
- Suttons Bay Branch93 W Fourth St, Suttons Bay, MI 49682Directions
- Copper Ridge Branch4011 Eastern Sky Dr, Traverse City, MI 49684Directions
- Garfield Avenue Branch1239 S Garfield Ave, Traverse City, MI 49686Directions
- Traverse City Branch333 W Grandview Pkwy, Traverse City, MI 49684Directions
Saginaw area · 3
- Fashion Square Mall Branch4850 Bay Rd, Saginaw, MI 48604Directions
- Saginaw Center Branch1445 N. Center, Saginaw, MI 48638Directions
- Saginaw State St Branch3601 State St, Saginaw, MI 48602Directions
Bad Axe area · 1
- Northgate Branch655 N Port Crescent St, Bad Axe, MI 48413Directions
Big Rapids area · 1
- Big Rapids Branch404 Perry Ave, Big Rapids, MI 49307Directions
Caro area · 1
- Caro Branch1111 W Caro Rd, Caro, MI 48723Directions
Caseville area · 1
- Caseville Branch6727 Main St, Caseville, MI 48725Directions
Cass City area · 1
- Cass City Branch6241 Main St, Cass City, MI 48726Directions
Flint area · 1
- Clio Branch3500 W Vienna Rd, Clio, MI 48420Directions
Marlette area · 1
- Marlette Branch2593 S Van Dyke Rd, Marlette, MI 48453Directions
Muskegon area · 1
- Muskegon Branch3251 Henry St, Muskegon, MI 49441Directions
Newaygo area · 1
- Newaygo Branch41 N State Rd, Newaygo, MI 49337Directions
Jackson area · 1
- Pleasant Lake Branch11628 Bunkerhill Rd, Pleasant Lake, MI 49272Directions
Sebewaing area · 1
- Sebewaing M-25 Branch8880 Unionville Rd, Sebewaing, MI 48759Directions
Standish area · 1
- Standish Branch209 S Main St, Standish, MI 48658Directions
White Cloud area · 1
- White Cloud Branch1075 E Wilcox Ave, White Cloud, MI 49349Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.67% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.99% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.34% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $90 | $88 | — |
- CapitalLeverage ratio9.67%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.99%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.34%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$90Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Independent Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.