Independent Bank Corporation is a bank holding company. The Company owns Independent Bank (the Bank). The Bank is engaged in commercial banking. The Bank offers a range of banking services to individuals and businesses, including checking and savings accounts, commercial lending, direct and indirect consumer financing, mortgage lending, and safe deposit box services. The bank does not offer trust services. The Company’s principal markets are the rural and suburban communities across Lower Michigan that is served by its bank's branch network. The Bank serves its markets through its main office and a total of 70 branches, two drive-thru facilities and five loan production offices. In addition to general banking services, the bank also offers title insurance services through a separate subsidiary and investment and insurance services through a third party agreement with Cetera Investment Services LLC.