Michigan
Community Reinvestment Act ratings · Search Michigan banks
347 banks tracked
Michigan has 347 banks tracked under the Community Reinvestment Act. 63 earned an Outstanding rating, 5 need to improve. Use the filters below to browse by rating or sort by most recent exam.
Current Rating Distribution
Outstanding
63
18.2%
Satisfactory
279
80.4%
Needs to Improve
5
1.4%
Substantial Noncompliance
0
0.0%
HIGHPOINT COMMUNITY BANK
HASTINGS · FDIC · Feb 2024
SatisfactoryUNITED BANK OF MICHIGAN
GRAND RAPIDS · FDIC · Aug 2025
SatisfactoryMFC FIRST NATIONAL BANK
IRON MOUNTAIN · OCC · Sep 1999
SatisfactoryFIRST OF AMERICA BANK - UPPER PENINSULA, N.A.
MARQUETTE · OCC · Jun 1994
OutstandingCHEMICAL BANK THUMB AREA
CARO · FDIC · Nov 1997
SatisfactoryMONROE BANK & TRUST
MONROE · FDIC · Mar 2018
SatisfactoryOLD KENT BANK-SOUTHEAST
TRENTON · FDIC · Jun 1993
OutstandingTHE MONTROSE STATE BANK
MONTROSE · FDIC · Oct 2004
SatisfactoryDART NATIONAL BANK
MASON · OCC · Jan 1997
SatisfactoryINDEPENDENT BANK EAST MICHIGAN
TROY · FDIC · Sep 2005
SatisfactoryOLD KENT BANK OF PETOSKEY
PETOSKEY · FDIC · Jan 1994
SatisfactoryFIRST STATE BANK OF DECATUR
DECATUR · FDIC · Mar 2020
SatisfactoryCITY BANK AND TRUST COMPANY
JACKSON · FDIC · May 1995
OutstandingMAYVILLE STATE BANK
MAYVILLE · FDIC · Mar 2021
SatisfactoryOLD KENT BANK-CENTRAL
OWOSSO · FDIC · May 1993
OutstandingFIRST NATIONAL BANK IN MACOMB COUNTY
MOUNT CLEMENS · OCC · Oct 1991
SatisfactoryUNITED BANK & TRUST
ANN ARBOR · FDIC · Jan 2012
SatisfactoryADRIAN STATE BANK
ADRIAN · FDIC · Nov 1998
SatisfactoryCITIZENS NATIONAL BANK OF CHEBOYGAN
CHEBOYGAN · OCC · Jul 2025
SatisfactoryNBD BANK, N.A.
DETROIT · OCC · Mar 1993
OutstandingMANUFACTURERS NATIONAL BANK OF DETROIT
DETROIT · OCC · Jul 1990
SatisfactoryBANK ONE, YPSILANTI, N.A.
YPSILANTI · OCC · Feb 1992
SatisfactoryOLD KENT BANK OF BRIGHTON
BRIGHTON · FDIC · Apr 1993
OutstandingNATIONAL BANK OF HASTINGS
HASTINGS · OCC · Jul 1996
SatisfactoryCHARTER NATIONAL BANK
TAYLOR · OCC · May 1995
SatisfactoryFIRSTBANK - LAKEVIEW
LAKEVIEW · FDIC · Apr 2004
SatisfactoryFIRST NATIONAL BANK IN ONTONAGON
ONTONAGON · OCC · May 1995
SatisfactoryCB NORTH
CHARLEVOIX · FDIC · Nov 1994
OutstandingINDEPENDENT BANK - SOUTH MICHIGAN
LESLIE · FDIC · Sep 2005
SatisfactoryFMB-REED CITY BANK
REED CITY · FDIC · Feb 1995
SatisfactoryCOUNTY NATIONAL BANK
HILLSDALE · OCC · Sep 2022
SatisfactoryMFC FIRST NATIONAL BANK
IRON RIVER · OCC · Mar 1997
OutstandingFIRST BANK, UPPER MICHIGAN, N.A.
GLADSTONE · OCC · Jan 1992
SatisfactoryFIRST NATIONAL BANK IN HOWELL
HOWELL · OCC · Jan 2021
SatisfactoryTHE IONIA COUNTY NATIONAL BANK OF IONIA
IONIA · OCC · Mar 2003
SatisfactoryFIRST NATIONAL BANK OF CRYSTAL FALLS
CRYSTAL FALLS · OCC · Jun 2013
SatisfactoryFIRST BANK, UPPER MICHIGAN
GLADSTONE · FDIC · Nov 2024
SatisfactoryREPUBLIC BANK-NORTH
BELLAIRE · FDIC · Jun 1993
SatisfactoryTHE ALGONAC SAVINGS BANK
ALGONAC · FDIC · May 1994
SatisfactoryMFC FIRST NATIONAL BANK
IRONWOOD · OCC · Jun 1999
SatisfactoryOLD KENT BANK OF GAYLORD
GAYLORD · FDIC · Apr 1994
OutstandingFIRSTBANK - WEST MICHIGAN
IONIA · FDIC · Aug 2008
SatisfactoryUNIVERSITY BANK
ANN ARBOR · FDIC · Feb 2025
SatisfactoryFIRST OF AMERICA BANK - MID MICHIGAN, N.A.
BAY CITY · OCC · Oct 1994
SatisfactoryFMB-STATE SAVINGS BANK
LOWELL · FDIC · Mar 1996
OutstandingCENTRAL STATE BANK
BEULAH · FDIC · Sep 2015
SatisfactoryCHEMICAL BANK CENTRAL
BIG RAPIDS · FDIC · Nov 1999
SatisfactoryUNION BANK
LAKE ODESSA · FDIC · Jul 2024
Needs to ImproveFIRST NATIONAL BANK OF AMERICA
EAST LANSING · OCC · Jun 2024
SatisfactoryFMB-MAYNARD ALLEN BANK
PORTLAND · FDIC · Feb 1996
Outstanding
| Bank | City | Regulator | Exam Date | Rating |
|---|---|---|---|---|
| HIGHPOINT COMMUNITY BANK | HASTINGS | FDIC | Feb 2024 | Satisfactory |
| UNITED BANK OF MICHIGAN | GRAND RAPIDS | FDIC | Aug 2025 | Satisfactory |
| MFC FIRST NATIONAL BANK | IRON MOUNTAIN | OCC | Sep 1999 | Satisfactory |
| FIRST OF AMERICA BANK - UPPER PENINSULA, N.A. | MARQUETTE | OCC | Jun 1994 | Outstanding |
| CHEMICAL BANK THUMB AREA | CARO | FDIC | Nov 1997 | Satisfactory |
| MONROE BANK & TRUST | MONROE | FDIC | Mar 2018 | Satisfactory |
| OLD KENT BANK-SOUTHEAST | TRENTON | FDIC | Jun 1993 | Outstanding |
| THE MONTROSE STATE BANK | MONTROSE | FDIC | Oct 2004 | Satisfactory |
| DART NATIONAL BANK | MASON | OCC | Jan 1997 | Satisfactory |
| INDEPENDENT BANK EAST MICHIGAN | TROY | FDIC | Sep 2005 | Satisfactory |
| OLD KENT BANK OF PETOSKEY | PETOSKEY | FDIC | Jan 1994 | Satisfactory |
| FIRST STATE BANK OF DECATUR | DECATUR | FDIC | Mar 2020 | Satisfactory |
| CITY BANK AND TRUST COMPANY | JACKSON | FDIC | May 1995 | Outstanding |
| MAYVILLE STATE BANK | MAYVILLE | FDIC | Mar 2021 | Satisfactory |
| OLD KENT BANK-CENTRAL | OWOSSO | FDIC | May 1993 | Outstanding |
| FIRST NATIONAL BANK IN MACOMB COUNTY | MOUNT CLEMENS | OCC | Oct 1991 | Satisfactory |
| UNITED BANK & TRUST | ANN ARBOR | FDIC | Jan 2012 | Satisfactory |
| ADRIAN STATE BANK | ADRIAN | FDIC | Nov 1998 | Satisfactory |
| CITIZENS NATIONAL BANK OF CHEBOYGAN | CHEBOYGAN | OCC | Jul 2025 | Satisfactory |
| NBD BANK, N.A. | DETROIT | OCC | Mar 1993 | Outstanding |
| MANUFACTURERS NATIONAL BANK OF DETROIT | DETROIT | OCC | Jul 1990 | Satisfactory |
| BANK ONE, YPSILANTI, N.A. | YPSILANTI | OCC | Feb 1992 | Satisfactory |
| OLD KENT BANK OF BRIGHTON | BRIGHTON | FDIC | Apr 1993 | Outstanding |
| NATIONAL BANK OF HASTINGS | HASTINGS | OCC | Jul 1996 | Satisfactory |
| CHARTER NATIONAL BANK | TAYLOR | OCC | May 1995 | Satisfactory |
| FIRSTBANK - LAKEVIEW | LAKEVIEW | FDIC | Apr 2004 | Satisfactory |
| FIRST NATIONAL BANK IN ONTONAGON | ONTONAGON | OCC | May 1995 | Satisfactory |
| CB NORTH | CHARLEVOIX | FDIC | Nov 1994 | Outstanding |
| INDEPENDENT BANK - SOUTH MICHIGAN | LESLIE | FDIC | Sep 2005 | Satisfactory |
| FMB-REED CITY BANK | REED CITY | FDIC | Feb 1995 | Satisfactory |
| COUNTY NATIONAL BANK | HILLSDALE | OCC | Sep 2022 | Satisfactory |
| MFC FIRST NATIONAL BANK | IRON RIVER | OCC | Mar 1997 | Outstanding |
| FIRST BANK, UPPER MICHIGAN, N.A. | GLADSTONE | OCC | Jan 1992 | Satisfactory |
| FIRST NATIONAL BANK IN HOWELL | HOWELL | OCC | Jan 2021 | Satisfactory |
| THE IONIA COUNTY NATIONAL BANK OF IONIA | IONIA | OCC | Mar 2003 | Satisfactory |
| FIRST NATIONAL BANK OF CRYSTAL FALLS | CRYSTAL FALLS | OCC | Jun 2013 | Satisfactory |
| FIRST BANK, UPPER MICHIGAN | GLADSTONE | FDIC | Nov 2024 | Satisfactory |
| REPUBLIC BANK-NORTH | BELLAIRE | FDIC | Jun 1993 | Satisfactory |
| THE ALGONAC SAVINGS BANK | ALGONAC | FDIC | May 1994 | Satisfactory |
| MFC FIRST NATIONAL BANK | IRONWOOD | OCC | Jun 1999 | Satisfactory |
| OLD KENT BANK OF GAYLORD | GAYLORD | FDIC | Apr 1994 | Outstanding |
| FIRSTBANK - WEST MICHIGAN | IONIA | FDIC | Aug 2008 | Satisfactory |
| UNIVERSITY BANK | ANN ARBOR | FDIC | Feb 2025 | Satisfactory |
| FIRST OF AMERICA BANK - MID MICHIGAN, N.A. | BAY CITY | OCC | Oct 1994 | Satisfactory |
| FMB-STATE SAVINGS BANK | LOWELL | FDIC | Mar 1996 | Outstanding |
| CENTRAL STATE BANK | BEULAH | FDIC | Sep 2015 | Satisfactory |
| CHEMICAL BANK CENTRAL | BIG RAPIDS | FDIC | Nov 1999 | Satisfactory |
| UNION BANK | LAKE ODESSA | FDIC | Jul 2024 | Needs to Improve |
| FIRST NATIONAL BANK OF AMERICA | EAST LANSING | OCC | Jun 2024 | Satisfactory |
| FMB-MAYNARD ALLEN BANK | PORTLAND | FDIC | Feb 1996 | Outstanding |