US Bank Directory
Banks in Pentwater, MI
1 FDIC-insured bank operates 1 office in Pentwater, Michigan.
Source: FDIC BankFind, data as of September 5, 2026.
Bank branch map: Pentwater
Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.
Short answer: 1 institution operates 1 location in Pentwater, according to the FDIC. 1 of them has coordinates on record and is on the map. ATMs and opening hours are not in the sources this page uses yet; each marker links to directions.
Branches: FDIC, NCUA. Streets: loading.
1 location on the map
Tap a cluster to zoom in
Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.
All banks in Pentwater
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: The Shelby State Bank is the only bank with an office in Pentwater. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
The Shelby State Bank Bank · 1
The Shelby State Bank has 1 branch in Pentwater, 9 across Michigan and 9 nationwide. FDIC records list its main office in Shelby, MI and show it operating since 1910. With $397.0 million in total assets on June 30, 2026, it ranks No. 2,078 of 4,232 U.S. banks by total assets. The Pentwater Branch at 388 S Hancock St dates to 2005 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Pentwater Branch388 S Hancock St, 49449
Banking in Pentwater: the local picture
Short answer: 1 bank runs 1 branch in Pentwater according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
The Shelby State Bank has its main office in Shelby, MI, according to the FDIC.
The bank with the longest record here is The Shelby State Bank, operating since 1910 according to the FDIC.
The one location here does not publish hours in the sources this page uses. Each branch links to the bank's own site.
Chase, Bank of America and other national banks
Which big national banks have branches in Pentwater, and where the nearest one is if they do not.
Short answer: No branches in Pentwater: Chase (nearest in Muskegon, 41 mi), Wells Fargo (nearest in Birmingham, 184 mi), Bank of America (nearest in Grand Rapids, 68 mi), PNC Bank (nearest in Ludington, 12 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in Hart, 7 mi), Huntington (nearest in Hart, 6 mi), Regions Bank, TD Bank, BMO.
| Bank | In Pentwater | Nearest branch if none here |
|---|---|---|
| Chase | None | Muskegon, 41 miles away |
| Wells Fargo | None | Birmingham, 184 miles away |
| Bank of America | None | Grand Rapids, 68 miles away |
| PNC Bank | None | Ludington, 12 miles away |
| U.S. Bank | None | none in Michigan |
| Truist | None | none in Michigan |
| Fifth Third Bank | None | Hart, 7 miles away |
| Huntington | None | Hart, 6 miles away |
| Regions Bank | None | none in Michigan |
| TD Bank | None | none in Michigan |
| BMO | None | none in Michigan |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Pentwater to the nearest branch in Michigan.
What your savings could earn
National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.
Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Pentwater residents like anyone else.
Banks near Pentwater
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Hart (6 miles) and Ludington (12 miles). Muskegon, 40 miles away, has the most banks nearby: 6.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Hart, MI | 6 mi | 4 | 9 |
| Banks in Ludington, MI | 12 mi | 5 | 5 |
| Banks in Fremont, MI | 32 mi | 4 | 5 |
| Banks in Manistee, MI | 33 mi | 3 | 15 |
| Banks in North Muskegon, MI | 36 mi | 3 | 5 |
| Banks in Muskegon, MI | 40 mi | 6 | 31 |
| Banks in Newaygo, MI | 40 mi | 2 | 2 |
| Banks in Norton Shores, MI | 42 mi | 2 | 2 |
Bank branch openings and closings in Pentwater
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Pentwater between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Pentwater by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Pentwater offices.
Short answer: The Shelby State Bank is the largest bank with offices in Pentwater, with $397.0 million in total assets on June 30, 2026, No. 2,078 among U.S. banks by total assets. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| The Shelby State Bank | $397.0 million | No. 2,078 | 1 | Shelby, MI |
Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.
Banks in Pentwater: FAQ
How many banks are in Pentwater, MI?
Pentwater has 1 bank with 1 branch, according to FDIC data as of September 5, 2026.
Is there a The Shelby State Bank in Pentwater, MI?
Yes. FDIC data lists 1 The Shelby State Bank branch in Pentwater as of September 5, 2026. The address and directions are under The Shelby State Bank above.
Is there a Chase in Pentwater, MI?
No. FDIC data lists no Chase branch in Pentwater as of September 5, 2026. The nearest is in Muskegon, about 41 miles away in a straight line.
What is the oldest bank in Pentwater?
The Shelby State Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1910.
Did any bank branches open or close in Pentwater in the past year?
FDIC branch records show no branch openings between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near Pentwater?
Nearby cities with more banks include Hart, Ludington, Fremont. Hart is 6 miles away with 4 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
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