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%
NATIONAL BANK OF ROYAL OAK
ROYAL OAK · OCC · Jan 1992
SatisfactoryPRESQUE ISLE BANK
ROGERS CITY · FDIC · Jun 1990
SatisfactoryBANK ONE, EAST LANSING
EAST LANSING · FDIC · Mar 1994
OutstandingMBANK
MANISTIQUE · FDIC · Apr 2019
SatisfactoryCHEMICAL BANK KEY STATE
OWOSSO · FDIC · Dec 1999
SatisfactoryFIRST OF AMERICA BANK - SOUTHEAST MICHIGAN, N.A.
DETROIT · OCC · Sep 1994
OutstandingFREELAND STATE BANK
FREELAND · FDIC · Jun 2021
SatisfactoryWEST SHORE BANK
LUDINGTON · FDIC · Mar 2026
SatisfactoryEMPIRE NATIONAL BANK
TRAVERSE CITY · OCC · May 1999
OutstandingPEOPLES STATE BANK
HAMTRAMCK · FDIC · Jul 2010
SatisfactoryCHEMICAL BANK MONTCALM
STANTON · FDIC · Nov 1997
OutstandingFIRST STATE BANK OF CHARLEVOIX
CHARLEVOIX · FDIC · Dec 1992
SatisfactoryTHE PORT AUSTIN STATE BANK
PORT AUSTIN · FDIC · Apr 2022
SatisfactoryCOMMERCIAL NATIONAL BANK
ALMA · OCC · Dec 1990
SatisfactoryFARMERS STATE BANK OF MUNITH
MUNITH · FDIC · Jul 2016
SatisfactoryFIRST STATE BANK
EASTPOINTE · FDIC · May 2019
SatisfactorySTATE BANK OF STANDISH
STANDISH · FDIC · Jan 1995
OutstandingMETROBANK, N.A.
FARMINGTON HILLS · OCC · Dec 1991
Needs to ImproveEXCHANGE STATE BANK
CARSONVILLE · FDIC · Oct 2022
SatisfactoryMADISON NATIONAL BANK
MADISON HEIGHTS · OCC · Oct 1996
SatisfactoryNORTHERN TRUST BANK, FSB
BLOOMFIELD HILLS · OTS · Jul 2009
OutstandingPEOPLES STATE BANK OF MUNISING
MUNISING · FDIC · Apr 2022
SatisfactoryCITY BANK AND TRUST COMPANY, N.A.
JACKSON · OCC · Jan 1994
SatisfactoryBANK ONE, FENTON, N.A.
FENTON · OCC · Mar 1994
OutstandingCOMMERCIAL NATIONAL BANK OF L'ANSE
L'ANSE · OCC · Jun 2005
SatisfactoryBAY PORT STATE BANK
BAY PORT · FDIC · Oct 2025
SatisfactoryFIRST INDEPENDENCE NATIONAL BANK OF DETROIT
DETROIT · OCC · Oct 2003
SatisfactoryTHUMB NATIONAL BANK AND TRUST COMPANY
PIGEON · OCC · Jul 2015
SatisfactoryFIRST NATIONAL BANK OF BAD AXE
BAD AXE · OCC · Oct 1991
SatisfactoryCOMMUNITY STATE BANK
SAINT CHARLES · FDIC · Mar 2015
Needs to ImproveFIRST NATIONAL BANK OF GAYLORD
GAYLORD · OCC · Nov 1997
OutstandingSECOND NATIONAL BANK OF BAY CITY
BAY CITY · OCC · Nov 1994
SatisfactoryHARBOR COUNTRY BANKING COMPANY
THREE OAKS · FDIC · Aug 1992
SatisfactoryLASALLE BANK MIDWEST, N.A.
TROY · OCC · Aug 2006
SatisfactoryOLD KENT BANK OF LANSING, N.A.
LANSING · OCC · Jun 1991
SatisfactoryHURON NATIONAL BANK
ROGERS CITY · OCC · May 2017
OutstandingNORTH BANK
HALE · FDIC · Nov 1994
SatisfactoryRUTH STATE BANK
RUTH · FDIC · Jul 2015
SatisfactorySIDNEY STATE BANK
SIDNEY · FDIC · Jan 2025
SatisfactoryCAPITOL NATIONAL BANK
LANSING · OCC · Aug 2025
SatisfactoryALDEN STATE BANK
ALDEN · FDIC · Nov 2022
SatisfactoryWEST MICHIGAN NATIONAL BANK & TRUST
FRANKFORT · OCC · Feb 2004
SatisfactoryFMB-SECURITY BANK
MANISTEE · FDIC · Jul 1995
OutstandingFMB-COMMUNITY BANK
DOWAGIAC · FDIC · Apr 1997
SatisfactoryCOMMERCIAL BANK
ITHACA · FDIC · Feb 2025
SatisfactoryOLD KENT BANK OF CADILLAC
CADILLAC · FDIC · Jan 1993
OutstandingMETROBANK
FARMINGTON HILLS · FDIC · May 2003
SatisfactoryREPUBLIC BANK
LANSING · FDIC · Apr 2003
SatisfactoryFIRST INDEPENDENCE BANK
DETROIT · FDIC · Nov 2023
SatisfactoryFIDELITY BANK
BIRMINGHAM · FDIC · Jan 2007
Satisfactory
| Bank | City | Regulator | Exam Date | Rating |
|---|---|---|---|---|
| NATIONAL BANK OF ROYAL OAK | ROYAL OAK | OCC | Jan 1992 | Satisfactory |
| PRESQUE ISLE BANK | ROGERS CITY | FDIC | Jun 1990 | Satisfactory |
| BANK ONE, EAST LANSING | EAST LANSING | FDIC | Mar 1994 | Outstanding |
| MBANK | MANISTIQUE | FDIC | Apr 2019 | Satisfactory |
| CHEMICAL BANK KEY STATE | OWOSSO | FDIC | Dec 1999 | Satisfactory |
| FIRST OF AMERICA BANK - SOUTHEAST MICHIGAN, N.A. | DETROIT | OCC | Sep 1994 | Outstanding |
| FREELAND STATE BANK | FREELAND | FDIC | Jun 2021 | Satisfactory |
| WEST SHORE BANK | LUDINGTON | FDIC | Mar 2026 | Satisfactory |
| EMPIRE NATIONAL BANK | TRAVERSE CITY | OCC | May 1999 | Outstanding |
| PEOPLES STATE BANK | HAMTRAMCK | FDIC | Jul 2010 | Satisfactory |
| CHEMICAL BANK MONTCALM | STANTON | FDIC | Nov 1997 | Outstanding |
| FIRST STATE BANK OF CHARLEVOIX | CHARLEVOIX | FDIC | Dec 1992 | Satisfactory |
| THE PORT AUSTIN STATE BANK | PORT AUSTIN | FDIC | Apr 2022 | Satisfactory |
| COMMERCIAL NATIONAL BANK | ALMA | OCC | Dec 1990 | Satisfactory |
| FARMERS STATE BANK OF MUNITH | MUNITH | FDIC | Jul 2016 | Satisfactory |
| FIRST STATE BANK | EASTPOINTE | FDIC | May 2019 | Satisfactory |
| STATE BANK OF STANDISH | STANDISH | FDIC | Jan 1995 | Outstanding |
| METROBANK, N.A. | FARMINGTON HILLS | OCC | Dec 1991 | Needs to Improve |
| EXCHANGE STATE BANK | CARSONVILLE | FDIC | Oct 2022 | Satisfactory |
| MADISON NATIONAL BANK | MADISON HEIGHTS | OCC | Oct 1996 | Satisfactory |
| NORTHERN TRUST BANK, FSB | BLOOMFIELD HILLS | OTS | Jul 2009 | Outstanding |
| PEOPLES STATE BANK OF MUNISING | MUNISING | FDIC | Apr 2022 | Satisfactory |
| CITY BANK AND TRUST COMPANY, N.A. | JACKSON | OCC | Jan 1994 | Satisfactory |
| BANK ONE, FENTON, N.A. | FENTON | OCC | Mar 1994 | Outstanding |
| COMMERCIAL NATIONAL BANK OF L'ANSE | L'ANSE | OCC | Jun 2005 | Satisfactory |
| BAY PORT STATE BANK | BAY PORT | FDIC | Oct 2025 | Satisfactory |
| FIRST INDEPENDENCE NATIONAL BANK OF DETROIT | DETROIT | OCC | Oct 2003 | Satisfactory |
| THUMB NATIONAL BANK AND TRUST COMPANY | PIGEON | OCC | Jul 2015 | Satisfactory |
| FIRST NATIONAL BANK OF BAD AXE | BAD AXE | OCC | Oct 1991 | Satisfactory |
| COMMUNITY STATE BANK | SAINT CHARLES | FDIC | Mar 2015 | Needs to Improve |
| FIRST NATIONAL BANK OF GAYLORD | GAYLORD | OCC | Nov 1997 | Outstanding |
| SECOND NATIONAL BANK OF BAY CITY | BAY CITY | OCC | Nov 1994 | Satisfactory |
| HARBOR COUNTRY BANKING COMPANY | THREE OAKS | FDIC | Aug 1992 | Satisfactory |
| LASALLE BANK MIDWEST, N.A. | TROY | OCC | Aug 2006 | Satisfactory |
| OLD KENT BANK OF LANSING, N.A. | LANSING | OCC | Jun 1991 | Satisfactory |
| HURON NATIONAL BANK | ROGERS CITY | OCC | May 2017 | Outstanding |
| NORTH BANK | HALE | FDIC | Nov 1994 | Satisfactory |
| RUTH STATE BANK | RUTH | FDIC | Jul 2015 | Satisfactory |
| SIDNEY STATE BANK | SIDNEY | FDIC | Jan 2025 | Satisfactory |
| CAPITOL NATIONAL BANK | LANSING | OCC | Aug 2025 | Satisfactory |
| ALDEN STATE BANK | ALDEN | FDIC | Nov 2022 | Satisfactory |
| WEST MICHIGAN NATIONAL BANK & TRUST | FRANKFORT | OCC | Feb 2004 | Satisfactory |
| FMB-SECURITY BANK | MANISTEE | FDIC | Jul 1995 | Outstanding |
| FMB-COMMUNITY BANK | DOWAGIAC | FDIC | Apr 1997 | Satisfactory |
| COMMERCIAL BANK | ITHACA | FDIC | Feb 2025 | Satisfactory |
| OLD KENT BANK OF CADILLAC | CADILLAC | FDIC | Jan 1993 | Outstanding |
| METROBANK | FARMINGTON HILLS | FDIC | May 2003 | Satisfactory |
| REPUBLIC BANK | LANSING | FDIC | Apr 2003 | Satisfactory |
| FIRST INDEPENDENCE BANK | DETROIT | FDIC | Nov 2023 | Satisfactory |
| FIDELITY BANK | BIRMINGHAM | FDIC | Jan 2007 | Satisfactory |