Ingham County, Michigan, a core county of the Lansing-East Lansing-Owosso, MI market, holds $9.9B in deposits across 17 insured institutions and 50 branches. First National Bank of America is the largest deposit holder at 33.7% share. The top three banks hold 59% of deposits, which places the county in the Moderate band. Deposits have grown 36.4% since 2021 while the branch count fell by 13.8%. It produced $18.8B of real gross domestic product in 2024, ranking #228 of the 1,523 ranked counties by economic output.
Ranks show where the county stands among the 1,523 ranked counties (those within a Combined or Metropolitan Statistical Area that have a branch). They describe relative position, not a rating of market quality or suitability.
Deposit trend
Branches: 58 in 2021 to 50 in 2026. Institutions: 19 to 17. Top-three share: 45% to 59%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| First National Bank of America | $3.4B | 33.7% | +109% |
| PNC Bank | $1.3B | 13.4% | +52% |
| The Dart Bank | $1.2B | 11.9% | +152% |
| Fifth Third Bank | $1.0B | 10.3% | -22% |
| JPMorgan Chase Bank | $734M | 7.4% | -10% |
| Bank of America | $507M | 5.1% | -14% |
| The Huntington National Bank | $462M | 4.7% | -3% |
| Independent Bank | $373M | 3.8% | +41% |
| Mercantile Bank | $272M | 2.7% | +21% |
| Flagstar Bank | $198M | 2.0% | +57% |
| Capitol National Bank | $162M | 1.6% | -2% |
| Commercial Bank | $101M | 1.0% | +14% |
| Horizon Bank | $91M | 0.9% | -41% |
| Eaton Community Bank | $78M | 0.8% | +112% |
| First National Bank of Michigan | $34M | 0.3% | +152% |
| ChoiceOne Bank | $27M | 0.3% | -27% |
| Homestead Savings Bank | $7M | 0.1% | +1% |
The 17 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, June 30, 2026. Five-year change compares the same institution’s county deposits in 2021 and 2026. Institutions are tracked by FDIC certificate number, and where an institution acquired another bank, the acquired bank’s prior deposits are folded into the baseline so the change reflects the combined, continuing franchise rather than reading as new. “No 2021 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year. Deposit figures are nominal and are not adjusted for inflation.
Part of the Lansing-East Lansing-Owosso market
Ingham County is one of 4 counties that make up the Lansing-East Lansing-Owosso, MI market, a Combined Statistical Area (ranked #100 of 293 U.S. markets by economic output). It produces 64.1% of the market’s output and holds 75.9% of its deposits.
| Measure | Ingham County | Share of parent market |
|---|---|---|
| 2024 GDP | $18.8B | 64.1% |
| Deposits | $9.9B | 75.9% |
| Population | 289,709 | 52.9% |
View the full Lansing-East Lansing-Owosso market profile →
Recruiting in Ingham County
Deposits are split among a moderate number of institutions. Who holds the deposits, and how contested the market is, shapes both the runway for growth and the competition you would be recruiting against. We recruit commercial relationship managers, banking teams, and market leaders for banks building in markets like Ingham County.
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