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A: 3025 Boardwalk Drive Suite 260 Ann Arbor MI 48108
P: 734.545.7124
A: 1004 W. Midland Road Auburn, MI 48611
P: 989.662.4403
Monday - Thursday: 9:00 am - 4:30 pm
Friday: 9:00 am - 5:00 pm
Monday - Thursday: 9:00 am - 5:00 pm
Friday: 9:00 am - 5:00 pm
Saturday: CLOSED
A: 655 N. Port Crescent Bad Axe, MI 48413
P: 989.269.6471
Monday - Friday: 9:00 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
Monday - Friday: 8:30 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
A: 745 N. Euclid Ave. Bay City, MI 48706
P: 989.684.6021
Monday - Thursday: 9:00 am - 4:30 pm
Friday: 9:00 am - 5:00 pm
Saturday: CLOSED
Monday - Thursday: 9:00 am - 5:00 pm
Friday: 9:00 am - 6:00 pm
Saturday: 9:00 am - 12:00 pm
A: 623 Washington Ave. Bay City, MI 48708
P: 989.892.3511
Monday - Thursday: 9:00 am - 4:30 pm
Friday: 9:00 am - 5:00 pm
Monday - Thursday: 9:00 am - 5:00 pm
Friday: 9:00 am - 5:00 pm
A: 130 S. Bridge St. Belding, MI 48809
P: 616.794.0600
Monday - Thursday: 9:00 am - 4:30 pm
Friday: 9:00 am - 5:00 pm
Saturday CLOSED
Monday - Friday: 9:00 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
A: 111 E. Capital Ave. Bellevue, MI 49021
P: 269.763.9424
Monday - Thursday: 9:00 am - 4:30 pm
Friday: 9:00 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
Monday - Friday: 9:00 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
A: 32800 Southfield Road Beverly Hills, MI 48025
P: 248.647.5900
Monday - Friday: 9:00 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
Monday - Friday: 9:00 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
A: 404 Perry Ave., Suite A Big Rapids, MI 49307
P: 231.796.5865
Monday - Thursday: 9:00 am - 4:00 pm
Friday: 9:00 am - 5:00 pm
Saturday: CLOSED
Monday - Friday: 9:00 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
A: 8700 N. Second St, Brighton, MI 48116
P: 810.819.8005
Monday - Friday: 9:00 am - 5:00 pm
Saturday: CLOSED
Monday - Friday: 9:00 am - 5:00 pm
Saturday: CLOSED
A: 201 N. Mitchell St., Suite 104 Cadillac, MI 49601
P: 231.942.7156
Monday - Friday: 9:00 am - 5:30 pm
A: 1111 W. Caro Road Caro, MI 48723
P: 989.673.5656
Monday - Thursday: 9:00 am - 4:30 pm
Friday: 9:00 am - 5:00 pm
Monday - Thursday: 8:30 am - 5:00 pm
Friday: 8:30 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
A: 323 W. Main St. Carson City, MI 48811
P: 989.584.3118
Monday - Thursday: 9:00 am - 4:30 pm
Friday: 9:00 am - 5:00 pm
Saturday: CLOSED
Monday - Thursday: 9:00 am - 4:30 pm
Friday: 9:00 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
A: 6727 Main St. Caseville, MI 48725
P: 989.856.2225
April 1 - September 30
Monday - Thursday: 9:00 am - 4:30 pm
Friday: 9:00 am - 5:00 pm
October 1 - March 31
Monday - Thursday: 9:00 am - 4:00 pm
Friday: 9:00 am - 4:30 pm
April 1 - September 30
Monday - Friday: 9:00 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
October 1 - March 31
Monday - Friday: 9:00 am - 4:30 pm
Saturday: CLOSED
A: 6241 Main St. Cass City, MI 48726
P: 989.872.2105
Monday - Thursday: 9:00 am - 4:30 pm
Friday: 9:00 am - 5:00 pm
Saturday: CLOSED
Monday - Friday: 8:30 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
A: 4115 17 Mile Road Cedar Springs, MI 49319
P: 616.696.0050
Monday - Friday: 9:00 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
Monday - Friday: 9:00 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
A: 129 Lansing St. Charlotte, MI 48813
P: 517.543.4994
Monday - Friday: 9:00 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
Monday - Friday: 8:30 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
A: 21250 Hall Road, Suite 200, Clinton Township, MI 48038
P: 586.210.8112
Monday - Friday: 9:00 am - 4:30 pm
Monday - Friday: 9:00 am - 4:30 pm
A: 3500 W. Vienna Road Clio, MI 48420
P: 810.687.6710
Monday - Thursday: 9:00 am - 4:30 pm
Friday: 9:00 am - 5:00 pm
Monday - Friday: 9:00 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
A: 7389 Croton Hardy Dr. Newaygo, MI 49337
A: 16030 Michigan Ave., Suite 210 Dearborn, MI 48126
P: 313.446.8670
Monday - Friday: 9:00 am - 5:00 pm
A: 3100 Woodward Ave Suite 102, Detroit MI 48201
P: 248.952.4914
Wednesdays: 9 - 2 pm
Monday - Saturday: By Appointment Only
A: 1380 W. Lake Lansing Road East Lansing, MI 48823
P: 517.203.3800
Monday - Friday: 9:00 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
Monday - Friday: 9:00 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
A: 2461 S. Michigan Road Eaton Rapids, MI 48827
P: 517.663.4108
Monday - Friday: 9:00 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
Monday - Friday: 9:00 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
A: 1615 W. Center Ave. Essexville, MI 48732
P: 989.893.4563
Monday - Thursday: 9:00 am - 4:30 pm
Friday: 9:00 am - 5:00 pm
Saturday: CLOSED
Drive-Up Hours
Monday - Thursday: 9:00 am - 5:00 pm
Friday: 9:00 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
A: 275 Springside Drive., Suite 200, Fairlawn, OH 44333
P: 234.815.1501
By Appointment Only
A: 32900 Middlebelt Road Farmington Hills, MI 48334
P: 248.539.4600
Monday - Friday: 9:00 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
Monday - Friday: 9:00 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
A: 1014 S Beacon Blvd Grand Haven MI 49417
P: 616.836.9261
A: 6750 Cascade Road SE Grand Rapids, MI 49546
P: 616.949.2189
Monday - Friday: 9:00 am - 4:30 pm
Saturday: CLOSED
Monday - Friday: 9:00 am - 5:00 pm
Saturday: CLOSED
A: 77 Monroe Center Ave. NW, Suite 1200 Grand Rapids, MI 49503
P: 616.458.7045
Monday - Friday: 8:30 am - 5:00 pm
A: 4200 E. Beltline Grand Rapids, MI 49525
P: 616.363.1207
Monday - Friday: 9:00 am - 4:30 pm
Monday - Friday: 9:00 am - 5:00 pm
Saturday: CLOSED
A: 77 Monroe Center NW Grand Rapids, MI 49503
P: 616.458.7045
A: 3090 Plainfield NE Grand Rapids, MI 49505
P: 616.447.0900
Monday - Friday: 9:00 am - 4:30 pm
Saturday: CLOSED
Monday - Friday: 9:00 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
A: 4525 Lake Michigan Dr. Walker, MI 49534
P: 616.735.2293
Monday - Friday: 9:00 am - 5:00 pm
Saturday: CLOSED
Monday - Friday: 9:00 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
A: 4150 E Beltline Grand Rapids MI 49525
P: 616.304.2009
A: 12368 Riley St, Holland, MI 49424
P: 616.344.2470
Monday - Friday: 9:00 am - 4:30 pm
Saturday: By Appointment
Monday - Friday: 9:00 am - 5:00 pm
Saturday: CLOSED
A: 210 Central Ave Holland MI 49423
P: 616.836.9261
A: 720 W. Shaw Howard City, MI 49329
P: 231.937.4374
Monday - Thursday: 9:00 am - 4:00 pm
Friday: 9:00 am - 5:00 pm
Saturday: CLOSED
Monday - Friday: 9:00 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
A: 450 S. Dexter St. Ionia, MI 48846
P: 616.527.7500
Monday - Friday: 9:00 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
Monday - Friday: 9:00 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
A: 230 W. Main St., Ionia, MI 48846
A: 2280 South 11th St Kalamazoo MI 49009
P: 269.569.7254
A: 5854 State St. Kingston, MI 48741
A: 144 S. Main St. Leslie, MI 49251
P: 517.589.8222
Monday - Thursday: 9:00 am - 4:30 pm
Friday: 9:00 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
Monday - Friday: 9:00 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
A: 37601 W. Five Mile Road Livonia, MI 48154
P: 734.591.4400
Monday - Friday: 9:00 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
Monday - Friday: 8:30 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
A: 2593 S. Van Dyke Marlette, MI 48453
P: 989.635.3541
Monday - Thursday: 9:00 am - 4:30 pm
Friday: 9:00 am - 5:00 pm
Monday - Friday: 8:30 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
A: 190 W. Kipp Road Mason, MI 48854
P: 517.244.9361
Monday - Friday: 9:00 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
Monday - Friday: 9:00 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
A: 409 Ashman Midland , MI 48640
P: 989.486.6216
A: 3251 Henry St. Muskegon, MI 49441
P: 231.830.3999
Monday - Friday: 9:00 am - 4:30 pm
Saturday: CLOSED
Monday - Friday: 9:00 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
A: 41 N. State Rd. Newaygo, MI 49337
P: 231.652.1665
Monday - Friday: 9:00 am - 4:00 pm
Saturday: CLOSED
Monday - Friday: 9:00 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
A: 199 W. River Valley Newaygo, MI 49337
A: 4046 Huron St. North Branch, MI 48461
P: 810.688.3051
Monday - Friday: 9:00 am - 4:00 pm
Saturday: 9:00 am - 12:00 pm
Monday - Friday: 8:30 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
A: 3765 Huron St. North Branch, MI 48461
P: 810.688.4727
Monday - Thursday 8:30 am - 5:00 pm
Friday 8:30 am - 6:00 pm
Saturday 9:00 am - 12:00 pm
A: 39475 Thirteen Mile Road, Suite 201, Novi, MI, 48377
A: 2119 Hamilton Road Okemos, MI 48864
P: 517.381.0817
Monday - Friday: 9:00 am - 5:00 pm
Saturday: CLOSED
Monday - Friday: 9:00 am - 5:00 pm
Saturday: CLOSED
A: 112 S Main St, Olivet, MI 49076
24 Hour ATM Service
A: 7237 Nitz Street, Pigeon, MI 48755
24 Hour ATM Service
A: 408 Mable St. Pinconning, MI 48650
P: 989.879.2747
Monday - Thursday: 9:00 am - 4:30 pm
Friday: 9:00 am - 5:00 pm
Monday - Friday: 9:00 am - 5:00 pm
Saturday: CLOSED
A: 11628 Bunkerhill Road Pleasant Lake, MI 49272
P: 517.769.2200
Monday - Thursday: 9:00 am - 4:30 pm
Friday: 9:00 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
Monday - Friday: 9:00 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
A: 1601 Grand River Ave. Portland, MI 48875
P: 517.647.7547
Monday - Friday: 9:00 am - 4:30 pm
Saturday: CLOSED
Monday - Friday: 9:00 am - 4:30 pm
Saturday: 9:00 am - 12:00 pm
A: 320 E Vermontville Hwy, Potterville, MI 48876
24 Hour ATM Service
A: 348 Main St. Rives Junction, MI 49277
A: 78 S. Main St. Rockford, MI 49341
P: 616.866.4471
Monday - Friday: 9:00 am - 4:30 pm
Saturday: CLOSED
Monday - Friday: 9:00 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
A: 28 N Monroe Rockford MI 49341
P: 616.304.2009
A: 1445 N. Center Road Saginaw, MI 48638
P: 989.799.1673
Monday - Thursday: 9:00 am - 4:30 pm
Friday: 9:00 am - 5:00 pm
Saturday: CLOSED
Monday - Thursday: 9:00 am - 5:00 pm
Friday: 9:00 am - 6:00 pm
Saturday: 9:00 am - 12:00 pm
A: 5500 Dixie Highway Saginaw, MI 48601
P: 989.777.1661
A: 4850 Bay Road Saginaw, MI 48604
P: 989.799.0070
Monday - Thursday: 9:00 am - 4:30 pm
Friday: 9:00 am - 5:00 pm
Saturday: CLOSED
Monday - Thursday: 9:00 am - 5:00 pm
Friday: 9:00 am - 6:00 pm
Saturday: 9:00 am - 12:00 pm
A: 3601 State St. Saginaw, MI 48602
P: 989.799.0720
Monday - Thursday: 9:00 am - 4:30 pm
Friday: 9:00 am - 5:00 pm
Saturday: CLOSED
Monday - Thursday: 9:00 am - 5:00 pm
Friday: 9:00 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
A: 5580 State St Suite 5 Saginaw MI 48603
P: 989.799.3159
By Appointment Only
A: 5 S 3rd St. Sand Lake MI 49343
P: 616.636.8881
Monday - Friday: 9:00 am - 4:30 pm
Saturday: CLOSED
Monday - Friday: 9:00 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
A: 29 Church Street Saranac, MI 48881
P: 616.642.9406
Monday - Friday: 9:00 am - 4:30 pm
Saturday: CLOSED
Monday - Friday: 9:00 am - 4:30 pm
Saturday: CLOSED
A: 8880 Unionville Road Sebewaing, MI 48759
P: 989.883.3310
Monday - Thursday: 9:00 am - 4:30 pm
Friday: 9:00 am - 5:00 pm
Saturday: CLOSED
Monday - Friday: 8:30 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
A: 49785 Van Dyke Ave. Shelby Township, MI 48317
P: 586.731.6130
Monday - Friday: 9:00 am - 4:30 pm
Saturday: CLOSED
Monday - Friday: 9:00 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
A: 250 Broadway St South Haven MI 49090
P: 269.569.7254
A: 525 S. State St. Sparta, MI 49345
P: 616.887.8277
Monday - Friday: 9:00 am - 4:30 pm
Saturday: CLOSED
Monday - Friday: 9:00 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
A: 209 S. Main St. Standish, MI 48658
P: 989.846.4595
Monday - Thursday: 9:00 am - 4:30 pm
Friday: 9:00 am - 5:00 pm
Monday - Friday: 9:00 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
A: 93 W. Fourth St., Suite D Suttons Bay, MI 49682
P: 231.995.5565
Monday - Friday: 9:00 am - 5:00 pm
Monday - Friday: 9:00 am - 5:00 pm
A: 4011 Eastern Sky Dr. Traverse City, MI 49684
P: 231.995.5540
Monday - Friday: 9:00 am - 4:30 pm
Monday - Friday: 9:00 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
A: 333 W. Grandview Parkway Traverse City, MI 49684
P: 231.995.5508
A: 1239 S. Garfield Traverse City, MI 49686
P: 231.995.5575
Monday - Friday: 9:00 am - 4:30 pm
Monday - Friday: 9:00 am - 5:00 pm
A: 201 W. Big Beaver Road Troy, MI 48084
P: 248.689.1200
Monday - Friday: 9:00 am - 5:00 pm
Monday - Friday: 9:00 am - 5:00 pm
A: 201 W. Big Beaver Rd., Suite 201 Troy, MI 48084
P: 248.918.5690
Monday - Friday: 9:00 am - 5:00 pm
A: 6586 Center St. Unionville, MI 48767
A: 194 Main St. Vermontville, MI 49096
A: 1075 Wilcox Ave. White Cloud, MI 49349
P: 231.689.6608
Monday - Friday: 9:00 am - 4:30 pm
Saturday: CLOSED
Monday - Friday: 9:00 am - 4:30 pm
Saturday: 9:00 am - 12:00 pm
A: 1245 E. Grand River Road Williamston, MI 48895
P: 517.655.2168
Monday - Friday: 9:00 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
Monday - Friday: 9:00 am - 5:00 pm
Saturday: 9:00 am - 12:00 pm
A: 109 E Main St Zeeland MI 49464
P: 616.836.9261
By Appointment Only
It is my honor and pleasure to share with you Independent Bank Corporation’s Environmental, Social and Governance (ESG) report.
As we enter our 158th year, I am pleased to provide an update regarding Independent Bank’s results as we continue to adjust, adapt and advance our mission of working together to make a positive difference in the lives of our customers, associates, shareholders, partners and community. Our vision is to guide, serve and empower people to improve lives and the world in which we live. Our Bank associates and their families continue to be resilient in this effort as we work our way through the pandemic. Yet it has not been without pain, suffering and loss of life within our corporate family, as we mirror the communities we live in.
During 2021, we assisted over 6,923 customers in either acquiring their dream home or refinancing their existing home and improving their financial position. In this effort we originated an IBC record of $1.9 billion in mortgage loans in our communities. Our plans to return to work for some were put on hold and our service delivery channels (particularly our branch network) continued to be impacted with staff quarantines. Yet in 2021 we assisted our customers with 24,015 new deposit accounts and 8,212 consumer loans to: renovate or improve their homes, acquire or refinance their recreational or marine vehicles as well as automobiles and assist families with educational tuition or other financing needs.
In addition, we helped business owners access the Small Business Administration’s Payroll Protection Program (PPP) through round two funding requests and rounds one and two forgiveness applications. Combined we processed over 4,000 loans or $397 million PPP loan requests for this governmental program to aid businesses in keeping their payrolls intact. Our commercial bankers also provided working capital lines, equipment financing and commercial real estate commitments of $487 million. Despite accessibility limitations related to COVID-19, our associates supported our communities with over 8,000 volunteer hours including holding our 6th annual Making A Difference Day where 65 different non-profits or community organizations were touched with our team’s talent and dollars.
At midyear of 2021, we released our first ESG report. While this was our first report, the principles behind ESG are not new and are fundamental to our community banking strategy. As a community bank, natural parts of our culture and keys to our success include being:
We are proud to publish our second report in a section on our website, IndependentBank.com to communicate more broadly the numerous efforts made by our Company to provide sustainable long-term value to our stakeholders. This report contains highlights of key initiatives and/or progress we have made as it pertains to protecting our environment, social equality and sound governance. What you won’t find is lofty goals and promises of something we hope to do some day. Instead we highlight the many good things that we do in these areas today and our opportunities for improvement going forward."
Sincerely,
President & CEO
The information contained in this report shall not be deemed to be filed or furnished or otherwise incorporated by reference in future filings with the Securities and Exchange Commission under the Securities Act of 1933 or the Securities Exchange Act of 1934.