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Firstbank Corporation is the holding company for six separately chartered subsidiary banks offering services under the Firstbank banner; it also owns Keystone Community Bank, which it acquired in 2005. Through more than 50 branches in Michigan's Lower Peninsula, the banks attract deposits from area residents and businesses by providing standard services such as checking and savings accounts and CDs. The company also owns subsidiaries that provide real estate appraisal services, armored car services, and title insurance. Firstbank bought another Michigan-based bank holding company, ICNB Financial, parent of Ionia County Community Bank (now Firstbank - West Michigan), in 2007.

FNBH Bancorp is the holding company for First National Bank of Howell, which serves individuals and local businesses through nearly ten branches in Livingston County, Michigan, west of Detroit. The bank offers traditional deposit products such as checking and savings accounts, in addition to trust, investment, and wealth management services. Commercial loans, including loans for land development, new home construction, and business leasing, comprise about 85% of the company's loan portfolio. Founded in 1934, the bank has traditionally served rural communities, but has seen its market become increasingly suburban.

German American Bancorp is the holding company for German American Bank, which operates some 30 branches in 10 southwestern Indiana counties and offers such standard retail products as checking and savings accounts, certificates of deposit, and IRAs. German American Bank was founded in 1910. Commercial and industrial loans make up about half of the bank's loan portfolio; agricultural loans account for about 20%. Other offerings include residential mortgages and consumer loans. German American Bancorp also operates insurance and trust, financial planning, and brokerage subsidiaries. The company is buying American Community Bancorp, the holding company for Bank of Evansville.

Home City Financial is where the heartland is. Home City is the holding company for Home City Federal Savings Bank of Springfield, a two-branch thrift serving Clark County in southwestern Ohio. The bank offers standard deposit products including checking and savings accounts, NOW accounts, individual retirement accounts, and certificates of deposit. Residential mortgages (nearly half of the company's loan portfolio) and commercial real estate loans (almost a quarter) are its primary lending focus; the bank also makes business, consumer, land, construction, and multifamily real estate loans. The company plans to go private through a reverse stock split.

Independent Bank Corporation is the holding company for Independent Bank, which serves Michigan's Lower Peninsula from more than 100 branches and a handful of loan production offices. Independent Bank provides retail and commercial banking services including mortgage lending and wealth management. Commercial loans account for about a third of its loan portfolio, followed by mortgages and consumer installment loans. The company also owns Mepco Finance, which acquired payment plans for extended automobile warranties, and Independent Title Services.

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