Bank Branches › Michigan › Otsego County
Banks in Otsego County, Michigan
Otsego County has 6 bank offices, 5 fewer than its peak of 11 in 1995 (−45%). They belong to 5 banks, led by State Savings Bank with 2.
6
offices, 2026
11
peak (1995)
12
no longer reported
$580M
deposits booked
Map
open (6)no longer reported (10 of 12 have map coordinates)
The county's passbook
Bank offices reporting on June 30Deposits booked at them (nominal dollars, own scale)
| Date | offices | Change | Deposits |
|---|---|---|---|
| Jun 30 1994 | 10 | $207M | |
| Jun 30 1995PEAK | 11 | +1 | $230M |
| Jun 30 2000 | 10 | · | $300M |
| Jun 30 2005 | 10 | · | $329M |
| Jun 30 2010 | 9 | · | $376M |
| Jun 30 2015 | 8 | −2 | $383M |
| Jun 30 2020 | 7 | · | $557M |
| Jun 30 2025 | 6 | +1 | $588M |
| Jun 30 2026NOW | 6 | · | $580M |
Open the full passbook — all 33 years ▾
| Date | offices | Change | Deposits |
|---|---|---|---|
| Jun 30 1994 | 10 | $207M | |
| Jun 30 1995PEAK | 11 | +1 | $230M |
| Jun 30 1996 | 11 | · | $237M |
| Jun 30 1997 | 10 | −1 | $253M |
| Jun 30 1998 | 10 | · | $258M |
| Jun 30 1999 | 10 | · | $279M |
| Jun 30 2000 | 10 | · | $300M |
| Jun 30 2001 | 11 | +1 | $332M |
| Jun 30 2002 | 11 | · | $387M |
| Jun 30 2003 | 11 | · | $382M |
| Jun 30 2004 | 10 | −1 | $371M |
| Jun 30 2005 | 10 | · | $329M |
| Jun 30 2006 | 11 | +1 | $345M |
| Jun 30 2007 | 11 | · | $360M |
| Jun 30 2008 | 9 | −2 | $362M |
| Jun 30 2009 | 9 | · | $362M |
| Jun 30 2010 | 9 | · | $376M |
| Jun 30 2011 | 9 | · | $383M |
| Jun 30 2012 | 9 | · | $383M |
| Jun 30 2013 | 10 | +1 | $368M |
| Jun 30 2014 | 10 | · | $381M |
| Jun 30 2015 | 8 | −2 | $383M |
| Jun 30 2016 | 7 | −1 | $387M |
| Jun 30 2017 | 7 | · | $403M |
| Jun 30 2018 | 6 | −1 | $412M |
| Jun 30 2019 | 7 | +1 | $466M |
| Jun 30 2020 | 7 | · | $557M |
| Jun 30 2021 | 6 | −1 | $614M |
| Jun 30 2022 | 6 | · | $591M |
| Jun 30 2023 | 6 | · | $566M |
| Jun 30 2024 | 5 | −1 | $553M |
| Jun 30 2025 | 6 | +1 | $588M |
| Jun 30 2026NOW | 6 | · | $580M |
Banks in Otsego County
| Bank | Offices | Deposits here |
|---|---|---|
| State Savings Bank | 2 | $52.5M |
| Fifth Third Bank, National Association | 1 | $177M |
| Horizon Bank | 1 | $100M |
| The Huntington National Bank | 1 | $172M |
| Nicolet National Bank | 1 | $78.3M |
Every bank office open in Otsego County
| Bank | Address | Deposits |
|---|---|---|
| Fifth Third Bank, National AssociationGaylord Main Office Branch | 123 W Main StGaylord 49735 | $177M |
| The Huntington National BankGaylord Downtown | 100 E Main StGaylord 49735 | $172M |
| Horizon BankGaylord Main | 521 W Main StGaylord 49735 | $100M |
| Nicolet National BankGaylord Branch | 1955 South Otsego AveGaylord 49735 | $78.3M |
| State Savings BankGaylord Branch | 126 E Main StGaylord 49735 | $30.5M |
| State Savings BankGaylord South Office Branch | 2091 S Otsego AveGaylord 49735 | $22.0M |
Sorted by deposits booked on June 30, 2026. "Opened" is the establishment date in the FDIC record.
Offices no longer reported
Offices in Otsego County that filed a report in some year from 1994 on and are missing from 2026. Most closed; some were sold to non-banks or converted. Newest departures first.
| Last bank on the sign | Address | Last report |
|---|---|---|
| The Huntington National Bankre-filed as office 667547 | 2091 S Otsego AveGaylord 49735 | 2023 |
| The Huntington National Bank | 250 Meijer DriveGaylord 49735 · Full-service retail office | 2020 |
| First Federal of Northern Michigan | 1000 S Wisconsin AveGaylord 49735 | 2017 |
| Fifth Third Bank | 2005 South Old U.S. 27Gaylord 49735 · Drive-through / facility office | 2015 |
| Chemical Bank | 1157 South OtsegoGaylord 49735 | 2014 |
| Northwestern Bank | 711 West Main StreetGaylord 49735 | 2014 |
| Fifth Third Bank | 719 West Main StreetGaylord 49735 · Drive-through / facility office | 2007 |
| The Bank of Northern Michigan | 814 South Ostego, Suite AGaylord 49735 | 2007 |
| Northwestern Bank | 416 W. Main StreetGaylord 49735 | 2003 |
| Citizens Bank | 1684 Otsego AvenueGaylord 49735 | 2002 |
| First National Bank of Gaylord | 1425 West Main StreetGaylord 49735 | 1997 |
| First National Bank of Gaylord | 10606 Old 27Waters 49797 | 1997 |
| Old Kent Bank | 528 East Main StreetVanderbilt 49795 | 1996 |
County FIPS 26137 · 515 square miles of land (2024 Census Gazetteer).