Banks in Bay County, Michigan
19 active bank branches operated by 7 institutions, per FDIC records.
Active branches
19
Banks present
7
Deposits (2026)
$1.3B
Closings since 2020
6
1 openings
Largest banks by deposits in Bay County (2026)
| Bank | Deposits | Share | Branches |
|---|---|---|---|
| Huntington Bank | $478M | 36.9% | 7 |
| Independent Bank | $404M | 31.2% | 5 |
| PNC Bank | $201M | 15.5% | 2 |
| Thumb Bank and Trust | $84M | 6.5% | 1 |
| 1st State Bank | $73M | 5.7% | 2 |
| Fifth Third Bank | $55M | 4.2% | 1 |
| Isabella Bank | $0K | 0% | 1 |
Deposit location reflects the office to which deposits are reported and may not represent the residence of depositors.
Cities and towns
Transcribed from FDIC BankFind Suite active-location records and the annual Summary of Deposits. County assignment follows the FDIC branch record.