Largest CRE Books, Headquartered in Michigan
10 of 29 Michigan-headquartered institutions.
| # | Institution | CRE book | Contact |
|---|---|---|---|
| 1 | Mercantile Bank | $1.74bn | Contact available |
| 2 | ChoiceOne Bank | $1.11bn | Contact available |
| 3 | Independent Bank | $1.04bn | Contact available |
| 4 | Bank of Ann Arbor | $998m | Contact available |
| 5 | Southern Michigan Bank & Trust | $599m | Contact available |
| 6 | United Bank of Michigan | $519m | Contact available |
| 7 | First National Bank of Michigan | $499m | Contact available |
| 8 | Macatawa Bank, National Association | $472m | Contact available |
| 9 | Isabella Bank | $420m | Contact available |
| 10 | First National Bank of America | $370m | No contact yet |
Fastest Growing
Top 10 by organic growth. Percent organic growth over four quarters, with a $250m prior-quarter book floor; shrinking institutions are excluded.
| # | Institution | Organic growth | Contact |
|---|---|---|---|
| 1 | Macatawa Bank, National Association | +44.9% +$146m | Contact available |
| 2 | First National Bank of America | +22.5% +$68m | No contact yet |
| 3 | CIBC Bank USA | +22.2% +$2.55bn | Contact available |
| 4 | West Michigan Community Bank | +12.3% +$37m | Contact available |
| 5 | Independent Bank | +11.2% +$105m | Contact available |
| 6 | 1st Source Bank | +10.7% +$74m | No contact yet |
| 7 | Isabella Bank | +10.6% +$40m | Contact available |
| 8 | Northstar Bank | +9.1% +$26m | No contact yet |
| 9 | First National Bank of Michigan | +8.9% +$41m | Contact available |
| 10 | United Bank of Michigan | +8.2% +$39m | Contact available |
National and Regional Lenders with Branches Here
Top 20 by CRE book size.
| # | Institution | CRE book | Contact |
|---|---|---|---|
| 1 | Wells Fargo Bank, National Association | $103.80bn | Contact available |
| 2 | Bank of America, National Association | $55.21bn | Contact available |
| 3 | PNC Bank, National Association | $36.76bn | Contact available |
| 4 | Flagstar Bank, National Association | $32.76bn | Contact available |
| 5 | The Huntington National Bank | $24.60bn | Contact available |
| 6 | Citizens Bank, National Association | $22.95bn | Contact available |
| 7 | Fifth Third Bank, National Association | $21.58bn | Contact available |
| 8 | Old National Bank | $17.06bn | Contact available |
| 9 | KeyBank National Association | $14.14bn | Contact available |
| 10 | CIBC Bank USA | $13.99bn | Contact available |
| 11 | WesBanco Bank, Inc. | $7.73bn | Contact available |
| 12 | The Northern Trust Company | $5.39bn | Contact available |
| 13 | First Merchants Bank | $4.15bn | Contact available |
| 14 | Nicolet National Bank | $3.22bn | Contact available |
| 15 | Mercantile Bank | $1.74bn | Contact available |
| 16 | Horizon Bank | $1.69bn | Contact available |
| 17 | ChoiceOne Bank | $1.11bn | Contact available |
| 18 | Independent Bank | $1.04bn | Contact available |
| 19 | Bank of Ann Arbor | $998m | Contact available |
| 20 | The Farmers & Merchants State Bank | $818m | Contact available |
National institutions
These institutions also clear the state’s qualifying population test — at least one branch presence and a CRE book of $100m or more — but are not evaluated for state relationship-lending purposes and carry no contact: JPMorgan Chase Bank, National Association .
Sources. FDIC Call Reports and FDIC Summary of Deposits. The qualifying population excludes de novo institutions, excludes any quarter carrying a >40% QoQ reversal in its CRE book, and requires a CRE book of $100m or more — no deposit-share floor is applied to the qualifying population. The page carries two CRE book size rankings drawn from that same qualifying population, on the same basis: one ranking the state’s largest CRE lenders regardless of where they are headquartered, one ranking the largest lenders headquartered in the state. An institution may appear in both. Growth is percent organic growth over four quarters (30 June 2025 → 30 June 2026), excluding growth attributable to an acquisition, subject to a $250m prior-quarter book floor; institutions with negative organic growth are excluded from the growth list. Institutions with a prior-quarter CRE book above $25bn are also excluded from the growth list — growth at that scale is a national balance-sheet movement, not lending concentrated in any one state, and would otherwise crowd out real local growth on thin-population states. This ceiling applies to the growth list only; the same institutions still appear on the CRE book size rankings above, which rank nationally by design.