Deposit Marketshare

Deposit Market Share for Selected Markets

Pending Ownership, including Bank, Savings Bank, Thrift Branches Ownership as of 10/19/2016,
Branches and Deposits as of 6/30/2016

STATE: Michigan

2016 Rank	2015 Rank	Institution (Headquarters)	Type	2016 Number of Branches	2016 Total Deposits in Market ($M)	2016 Total Market Share (%)	2015 Total Deposits in Market ($M)	2015 Total Market Share (%)
1	1	JPMorgan Chase & Co. (NY)	Bank	244	42,006.7	20.96	39,107.6	20.53
2	2	Comerica Inc. (TX)	Bank	215	26,963.6	13.46	27,494.1	14.43
3	3	PNC Financial Services Group (PA)	Bank	206	17,325.6	8.65	16,346.6	8.58
4	4	Bank of America Corp. (NC)	Bank	124	16,564.0	8.27	15,677.1	8.23
5	5	Fifth Third Bancorp (OH)	Bank	218	16,072.6	8.02	15,161.6	7.96
6	6	Huntington Bancshares Inc. (OH)	Bank	366	15,211.9	7.59	14,597.1	7.66
7	7	Chemical Financial Corp. (MI)	Bank	227	11,281.3	5.63	10,850.7	5.70
8	8	Flagstar Bancorp Inc. (MI)	Thrift	99	8,772.8	4.38	7,837.5	4.11
9	9	Citizens Financial Group Inc. (RI)	Bank	98	5,138.5	2.56	4,951.0	2.60
10	11	TCF Financial Corp. (MN)	Bank	54	2,907.9	1.45	2,600.3	1.36
		Total for institutions in market		2,711	200,385.7		190,508.9

COUNTY: Clare, MI

2016 Rank	2015 Rank	Institution (Headquarters)	Type	2016 Number of Branches	2016 Total Deposits in Market ($M)	2016 Total Market Share (%)	2015 Total Deposits in Market ($M)	2015 Total Market Share (%)
1	1	Chemical Financial Corp. (MI)	Bank	3	121.9	43.09	123.8	42.96
2	2	Isabella Bank Corporation (MI)	Bank	4	96.3	34.03	97.4	33.79
3	3	Mercantile Bank Corp. (MI)	Bank	1	34.7	12.26	36.1	12.51
4	4	PNC Financial Services Group (PA	Bank	1	30.0	10.62	31.0	10.74
		Total for institutions in market		9	282.9		288.2

COUNTY: Gratiot, MI

2016 Rank	2015 Rank	Institution (Headquarters)	Type	2016 Number of Branches	2016 Total Deposits in Market ($M)	2016 Total Market Share (%)	2015 Total Deposits in Market ($M)	2015 Total Market Share (%)
1	1	Commercial National Financial (MI)	Bank	6	257.8	44.70	238.7	42.81
2	2	Mercantile Bank Corp. (MI)	Bank	4	138.6	24.04	141.2	25.33
3	3	Isabella Bank Corporation (MI)	Bank	2	108.1	18.74	108.0	19.38
4	4	Chemical Financial Corp. (MI)	Bank	2	52.2	9.05	51.8	9.28
5	5	Huntington Bancshares Inc. (OH)	Bank	2	20.0	3.46	17.8	3.20
		Total for institutions in market	Bank	16	576.7		557.5

COUNTY: Isabella, MI

2016 Rank	2015 Rank	Institution (Headquarters)	Type	2016 Number of Branches	2016 Total Deposits in Market ($M)	2016 Total Market Share (%)	2015 Total Deposits in Market ($M)	2015 Total Market Share (%)
1	1	Isabella Bank Corporation (MI)	Bank	10	611.5	61.67	601.0	62.21
2	2	Mercantile Bank Corp. (MI)	Bank	5	176.2	17.77	166.5	17.24
3	3	PNC Financial Services Group (PA)	Bank	2	97.3	9.81	91.8	9.51
4	4	Chemical Financial Corp. (MI)	Bank	2	43.6	4.39	39.3	4.07
5	5	Fifth Third Bancorp (OH)	Bank	1	35.7	3.60	34.0	3.52
6	6	Independent Bank Corp. (MI)	Bank		27.3	2.76	33.4	3.46
		Total for institutions in market		22	991.6		966.0

COUNTY: Mecosta, MI

2016 Rank	2015 Rank	Institution (Headquarters)	Type	2016 Number of Branches	2016 Total Deposits in Market ($M)	2016 Total Market Share (%)	2015 Total Deposits in Market ($M)	2015 Total Market Share (%)
1	2	Chemical Financial Corp. (MI)	Bank	2	131.0	29.43	120.4	28.17
2	1	Isabella Bank Corporation (MI)	Bank	5	124.1	27.87	126.9	29.69
3	3	Fifth Third Bancorp (OH)	Bank	2	78.0	17.51	74.4	17.41
4	4	Huntington Bancshares Inc. (OH)	Bank	2	46.0	10.34	41.0	9.59
5	5	Mercantile Bank Corp. (MI)	Bank	2	29.7	6.67	28.4	6.65
6	6	Independent Bank Corp. (MI)	Bank	1	27.9	6.26	28.2	6.61
7	7	Lake Financial Corp. (MI)	Bank	2	8.5	1.92	8.0	1.88
		Total for institutions in market		16	445.2		427.3

COUNTY: Montcalm, MI

2016 Rank	2015 Rank	Institution (Headquarters)	Type	2016 Number of Branches	2016 Total Deposits in Market ($M)	2016 Total Market Share (%)	2015 Total Deposits in Market ($M)	2015 Total Market Share (%)
1	1	Chemical Financial Corp. (MI)	Bank	8	191.0	31.67	173.9	30.42
2	2	Isabella Bank Corporation (MI)	Bank	3	107.7	17.85	104.2	18.22
3	3	Mercantile Bank Corp. (MI)	Bank	4	73.9	12.26	76.7	13.42
4	4	Fifth Third Bancorp (OH)	Bank	1	65.6	10.88	62.5	10.94
5	5	Independent Bank Corp. (MI)	Bank	2	58.8	9.75	51.8	9.06
6	6	Sidney Bancorp (MI)	Bank	1	45.1	7.48	41.6	7.27
7	7	Huntington Bancshares Inc. (OH)	Bank	3	36.4	6.04	34.8	6.09
8	8	Commercial National Financial (MI)	Bank	1	24.5	4.06	26.2	4.58
		Total for institutions in market		23	603.0		571.7

COUNTY: Saginaw, MI

2016 Rank	2015 Rank	Institution (Headquarters)	Type	2016 Number of Branches	2016 Total Deposits in Market ($M)	2016 Total Market Share (%)	2015 Total Deposits in Market ($M)	2015 Total Market Share (%)
1	1	Huntington Bancshares Inc. (OH)	Bank	16	669.4	32.21	627.3	31.64
2	3	JPMorgan Chase & Co. (NY)	Bank	6	298.7	14.37	270.2	13.63
3	2	PNC Financial Services Group (PA)	Bank	6	290.7	13.99	285.7	14.41
4	4	Valley Financial Group Ltd. (MI)	Bank	2	158.8	7.64	146.4	7.39
5	5	Chemical Financial Corp. (MI)	Bank	6	138.4	6.66	140.5	7.09
6	6	Independent Bank Corp. (MI)	Bank	5	135.8	6.53	128.8	6.50
7	7	Fentura Financial Inc. (MI)	Bank	6	130.0	6.26	127.2	6.42
Type : Bank 2016 Number of Branches : 6 2016 Total Deposits in Market ($M) : 130.0 2016 Total Market Share (%) : 6.26 2015 Total Deposits in Market ($M) : 127.2 2015 Total Market Share (%) : 6.42
8	8	Isabella Bank Corporation (MI)	Bank	3	78.0	3.75	76.9	3.88
9	9	Freeland State Bank (MI)	Bank	1	43.4	2.09	44.6	2.25
10	10	Fifth Third Bancorp (OH)	Bank	1	43.2	2.08	43.0	2.17
		Total for institutions in market		57	2,078.1		1,982.8

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