S&P 500   4,967.23
DOW   37,986.40
QQQ   414.65
How major US stock indexes fared Friday, 4/19/2024
Stock market today: Tumbling tech stocks drag Wall Street to the finish line of another losing week
American Express profits jump 34%, helped by jump in new customers, higher spending
American Express, Fifth Third rise; Netflix, PPG Industries fall, Friday, 4/19/2024
Intuitive Surgical Stock Can Trend Much Higher This Year 
3 Magnificent Seven Stocks Outperforming the Rest
Bargain Hunting: 3 Stocks With RSIs That Scream Oversold
S&P 500   4,967.23
DOW   37,986.40
QQQ   414.65
How major US stock indexes fared Friday, 4/19/2024
Stock market today: Tumbling tech stocks drag Wall Street to the finish line of another losing week
American Express profits jump 34%, helped by jump in new customers, higher spending
American Express, Fifth Third rise; Netflix, PPG Industries fall, Friday, 4/19/2024
Intuitive Surgical Stock Can Trend Much Higher This Year 
3 Magnificent Seven Stocks Outperforming the Rest
Bargain Hunting: 3 Stocks With RSIs That Scream Oversold
S&P 500   4,967.23
DOW   37,986.40
QQQ   414.65
How major US stock indexes fared Friday, 4/19/2024
Stock market today: Tumbling tech stocks drag Wall Street to the finish line of another losing week
American Express profits jump 34%, helped by jump in new customers, higher spending
American Express, Fifth Third rise; Netflix, PPG Industries fall, Friday, 4/19/2024
Intuitive Surgical Stock Can Trend Much Higher This Year 
3 Magnificent Seven Stocks Outperforming the Rest
Bargain Hunting: 3 Stocks With RSIs That Scream Oversold
S&P 500   4,967.23
DOW   37,986.40
QQQ   414.65
How major US stock indexes fared Friday, 4/19/2024
Stock market today: Tumbling tech stocks drag Wall Street to the finish line of another losing week
American Express profits jump 34%, helped by jump in new customers, higher spending
American Express, Fifth Third rise; Netflix, PPG Industries fall, Friday, 4/19/2024
Intuitive Surgical Stock Can Trend Much Higher This Year 
3 Magnificent Seven Stocks Outperforming the Rest
Bargain Hunting: 3 Stocks With RSIs That Scream Oversold

Compare Stocks

Comparative Price Performance Over Time

Compare Stocks - Price & Volume

CompanyCurrent Price50-Day Moving Average52-Week RangeMarket CapBetaAvg. VolumeToday's Volume
Business First Bancshares, Inc. stock logo
BFST
Business First Bancshares
$21.05
+2.3%
$21.61
$13.05
$25.57
$537.62M0.9449,705 shs74,910 shs
Bank of Marin Bancorp stock logo
BMRC
Bank of Marin Bancorp
$15.52
+2.3%
$16.45
$12.89
$23.24
$252.98M0.8563,371 shs70,592 shs
Coastal Financial Co. stock logo
CCB
Coastal Financial
$39.25
+3.8%
$38.28
$32.20
$48.50
$525.56M1.1551,145 shs61,720 shs
HBT Financial, Inc. stock logo
HBT
HBT Financial
$18.52
+1.9%
$18.99
$16.33
$21.87
$585.97M0.8627,510 shs30,548 shs
Mercantile Bank Co. stock logo
MBWM
Mercantile Bank
$36.07
+4.5%
$36.85
$23.89
$42.82
$581.45M0.9779,322 shs201,708 shs
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Price Performance

Company1-Day Performance7-Day Performance30-Day Performance90-Day Performance1-Year Performance
Business First Bancshares, Inc. stock logo
BFST
Business First Bancshares
+1.98%+1.78%-4.01%-10.14%+27.45%
Bank of Marin Bancorp stock logo
BMRC
Bank of Marin Bancorp
+1.13%+2.15%-5.83%-25.27%-28.24%
Coastal Financial Co. stock logo
CCB
Coastal Financial
+1.20%-2.58%+2.30%-8.95%+10.29%
HBT Financial, Inc. stock logo
HBT
HBT Financial
+0.17%-1.28%-3.04%-9.83%-3.86%
Mercantile Bank Co. stock logo
MBWM
Mercantile Bank
+2.71%-2.84%-2.98%-11.57%+19.77%

MarketRank™

CompanyOverall ScoreAnalyst's OpinionShort Interest ScoreDividend StrengthESG ScoreNews and Social Media SentimentCompany OwnershipEarnings & Valuation
Business First Bancshares, Inc. stock logo
BFST
Business First Bancshares
3.5169 of 5 stars
2.45.02.50.02.01.72.5
Bank of Marin Bancorp stock logo
BMRC
Bank of Marin Bancorp
4.2224 of 5 stars
3.23.02.50.03.30.83.8
Coastal Financial Co. stock logo
CCB
Coastal Financial
3.3202 of 5 stars
2.02.00.03.70.01.73.1
HBT Financial, Inc. stock logo
HBT
HBT Financial
3.4129 of 5 stars
1.85.03.30.01.85.01.3
Mercantile Bank Co. stock logo
MBWM
Mercantile Bank
4.2013 of 5 stars
3.34.05.00.02.52.51.3

Analyst Ratings

CompanyConsensus Rating ScoreConsensus RatingConsensus Price Target% Upside from Current Price
Business First Bancshares, Inc. stock logo
BFST
Business First Bancshares
2.75
Moderate Buy$23.3310.85% Upside
Bank of Marin Bancorp stock logo
BMRC
Bank of Marin Bancorp
2.33
Hold$22.0041.75% Upside
Coastal Financial Co. stock logo
CCB
Coastal Financial
4.00
Strong Buy$53.0035.03% Upside
HBT Financial, Inc. stock logo
HBT
HBT Financial
1.50
Reduce$20.5010.69% Upside
Mercantile Bank Co. stock logo
MBWM
Mercantile Bank
2.67
Moderate Buy$47.0030.30% Upside

Current Analyst Ratings

Latest HBT, BFST, CCB, MBWM, and BMRC Analyst Ratings

DateCompanyBrokerageActionRatingPrice TargetDetails
4/17/2024
Mercantile Bank Co. stock logo
MBWM
Mercantile Bank
Keefe, Bruyette & Woods
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Reiterated RatingOutperform ➝ Outperform$47.00
4/4/2024
HBT Financial, Inc. stock logo
HBT
HBT Financial
JPMorgan Chase & Co.
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Lower Price TargetUnderweight ➝ Underweight$21.50 ➝ $21.00
3/4/2024
Mercantile Bank Co. stock logo
MBWM
Mercantile Bank
Hovde Group
Subscribe to MarketBeat All Access for the recommendation accuracy rating
DowngradeOutperform ➝ Market Perform
1/30/2024
Bank of Marin Bancorp stock logo
BMRC
Bank of Marin Bancorp
Stephens
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Lower Price TargetEqual Weight ➝ Equal Weight$24.00 ➝ $22.00
1/30/2024
Bank of Marin Bancorp stock logo
BMRC
Bank of Marin Bancorp
DA Davidson
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Lower Price TargetNeutral ➝ Neutral$23.00 ➝ $21.00
1/24/2024
Business First Bancshares, Inc. stock logo
BFST
Business First Bancshares
Piper Sandler
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Boost Price TargetOverweight ➝ Overweight$23.00 ➝ $26.00
(Data available from 4/19/2021 forward. View 10+ years of historical ratings with our analyst ratings screener.)

Sales & Book Value

CompanyAnnual RevenuePrice/SalesCashflowPrice/CashBook ValuePrice/Book
Business First Bancshares, Inc. stock logo
BFST
Business First Bancshares
$389.97M1.38$3.01 per share7.00$22.58 per share0.93
Bank of Marin Bancorp stock logo
BMRC
Bank of Marin Bancorp
$144.48M1.75$2.21 per share7.03$27.20 per share0.57
Coastal Financial Co. stock logo
CCB
Coastal Financial
$537.55M0.98$3.70 per share10.61$22.17 per share1.77
HBT Financial, Inc. stock logo
HBT
HBT Financial
$265.05M2.21$2.89 per share6.41$15.44 per share1.20
Mercantile Bank Co. stock logo
MBWM
Mercantile Bank
$303.50M1.92$6.27 per share5.75$32.58 per share1.11

Profitability & Earnings

CompanyNet IncomeEPSTrailing P/E RatioForward P/E RatioP/E GrowthNet MarginsReturn on Equity (ROE)Return on Assets (ROA)Next Earnings Date
Business First Bancshares, Inc. stock logo
BFST
Business First Bancshares
$71.04M$2.608.108.56N/A18.22%13.28%1.11%4/25/2024 (Confirmed)
Bank of Marin Bancorp stock logo
BMRC
Bank of Marin Bancorp
$19.90M$1.2412.529.76N/A13.77%5.63%0.60%4/29/2024 (Confirmed)
Coastal Financial Co. stock logo
CCB
Coastal Financial
$44.58M$3.2712.006.79N/A8.29%16.05%1.24%4/25/2024 (Estimated)
HBT Financial, Inc. stock logo
HBT
HBT Financial
$65.84M$2.088.908.86N/A24.84%16.93%1.56%4/22/2024 (Confirmed)
Mercantile Bank Co. stock logo
MBWM
Mercantile Bank
$82.22M$5.166.998.24N/A25.58%16.74%1.58%7/16/2024 (Estimated)

Latest HBT, BFST, CCB, MBWM, and BMRC Earnings

DateQuarterCompanyConsensus EstimateReported EPSBeat/MissGap EPSRevenue EstimateActual RevenueDetails
4/29/2024N/A
Bank of Marin Bancorp stock logo
BMRC
Bank of Marin Bancorp
$0.28N/A-$0.28N/AN/AN/A  
4/25/2024N/A
Business First Bancshares, Inc. stock logo
BFST
Business First Bancshares
$0.57N/A-$0.57N/AN/AN/A  
4/22/2024N/A
HBT Financial, Inc. stock logo
HBT
HBT Financial
$0.57N/A-$0.57N/AN/AN/A
1/30/2024Q4 2023
Coastal Financial Co. stock logo
CCB
Coastal Financial
$0.94$0.66-$0.28$0.66$98.40 million$124.35 million
1/29/2024Q4 2023
Bank of Marin Bancorp stock logo
BMRC
Bank of Marin Bancorp
$0.32$0.30-$0.02$0.56$27.50 million$20.98 million
1/24/202412/31/2023
HBT Financial, Inc. stock logo
HBT
HBT Financial
$0.60$0.60N/A$0.62$57.78 million$70.62 million
1/23/202412/31/2023
Business First Bancshares, Inc. stock logo
BFST
Business First Bancshares
$0.60$0.66+$0.06$0.75$63.40 million$101.08 million  

Dividends

CompanyAnnual PayoutDividend Yield3-Year Dividend GrowthPayout RatioYears of Consecutive Growth
Business First Bancshares, Inc. stock logo
BFST
Business First Bancshares
$0.562.66%+7.72%21.54%1 Years
Bank of Marin Bancorp stock logo
BMRC
Bank of Marin Bancorp
$1.006.44%+2.82%80.65%N/A
Coastal Financial Co. stock logo
CCB
Coastal Financial
N/AN/AN/AN/AN/A
HBT Financial, Inc. stock logo
HBT
HBT Financial
$0.764.10%+4.26%36.54%3 Years
Mercantile Bank Co. stock logo
MBWM
Mercantile Bank
$1.403.88%+6.16%27.13%13 Years

Latest HBT, BFST, CCB, MBWM, and BMRC Dividends

AnnouncementCompanyPeriodAmountYieldEx-Dividend DateRecord DatePayable Date
4/11/2024
Mercantile Bank Co. stock logo
MBWM
Mercantile Bank
Quarterly$0.354.1%6/7/20246/7/20246/19/2024
1/23/2024
Business First Bancshares, Inc. stock logo
BFST
Business First Bancshares
Quarterly$0.142.43%2/14/20242/15/20242/28/2024
1/25/2024
Bank of Marin Bancorp stock logo
BMRC
Bank of Marin Bancorp
Quarterly$0.254.92%2/7/20242/8/20242/15/2024
1/23/2024
HBT Financial, Inc. stock logo
HBT
HBT Financial
Quarterly$0.193.81%2/5/20242/6/20242/13/2024
(Data available from 1/1/2013 forward)

Debt

CompanyDebt-to-Equity RatioCurrent RatioQuick Ratio
Business First Bancshares, Inc. stock logo
BFST
Business First Bancshares
1.08
1.01
1.01
Bank of Marin Bancorp stock logo
BMRC
Bank of Marin Bancorp
N/A
0.64
0.64
Coastal Financial Co. stock logo
CCB
Coastal Financial
0.16
1.01
1.01
HBT Financial, Inc. stock logo
HBT
HBT Financial
0.21
0.80
0.79
Mercantile Bank Co. stock logo
MBWM
Mercantile Bank
1.16
1.04
1.04

Ownership

Institutional Ownership

CompanyInstitutional Ownership
Business First Bancshares, Inc. stock logo
BFST
Business First Bancshares
47.35%
Bank of Marin Bancorp stock logo
BMRC
Bank of Marin Bancorp
52.26%
Coastal Financial Co. stock logo
CCB
Coastal Financial
59.24%
HBT Financial, Inc. stock logo
HBT
HBT Financial
78.55%
Mercantile Bank Co. stock logo
MBWM
Mercantile Bank
58.63%

Miscellaneous

CompanyEmployeesShares OutstandingFree FloatOptionable
Business First Bancshares, Inc. stock logo
BFST
Business First Bancshares
75125.54 million23.89 millionOptionable
Bank of Marin Bancorp stock logo
BMRC
Bank of Marin Bancorp
32916.30 million15.46 millionOptionable
Coastal Financial Co. stock logo
CCB
Coastal Financial
50713.39 million11.14 millionNot Optionable
HBT Financial, Inc. stock logo
HBT
HBT Financial
84431.64 million13.10 millionOptionable
Mercantile Bank Co. stock logo
MBWM
Mercantile Bank
63116.12 million15.63 millionOptionable

HBT, BFST, CCB, MBWM, and BMRC Headlines

SourceHeadline
Mercantile Bank (NASDAQ:MBWM) Trading Up 3.9%Mercantile Bank (NASDAQ:MBWM) Trading Up 3.9%
marketbeat.com - April 19 at 3:27 PM
Mercantile Bank Corporation Just Beat Analyst Forecasts, And Analysts Have Been Updating Their PredictionsMercantile Bank Corporation Just Beat Analyst Forecasts, And Analysts Have Been Updating Their Predictions
finance.yahoo.com - April 19 at 9:13 AM
Keefe, Bruyette & Woods Reiterates Outperform Rating for Mercantile Bank (NASDAQ:MBWM)Keefe, Bruyette & Woods Reiterates Outperform Rating for Mercantile Bank (NASDAQ:MBWM)
americanbankingnews.com - April 19 at 1:58 AM
Mercantile Bank Corporation (MBWM) Q1 2024 Earnings Call TranscriptMercantile Bank Corporation (MBWM) Q1 2024 Earnings Call Transcript
seekingalpha.com - April 18 at 1:01 PM
Hdfc Bank IFSC Code, MICR Code for location New Delhi Surya Kiran K G Marg DelhiHdfc Bank IFSC Code, MICR Code for location New Delhi Surya Kiran K G Marg Delhi
india.com - April 17 at 8:43 PM
Mercantile Bank: Signs Of Weakening Are EvidentMercantile Bank: Signs Of Weakening Are Evident
seekingalpha.com - April 17 at 8:19 PM
Mercantile Bank (NASDAQ:MBWM) Stock Rating Reaffirmed by Keefe, Bruyette & WoodsMercantile Bank (NASDAQ:MBWM) Stock Rating Reaffirmed by Keefe, Bruyette & Woods
marketbeat.com - April 17 at 3:51 PM
Mercantile Bank Corporation (NASDAQ:MBWM) Q1 2024 Earnings Call TranscriptMercantile Bank Corporation (NASDAQ:MBWM) Q1 2024 Earnings Call Transcript
finance.yahoo.com - April 17 at 10:41 AM
Mercantile Bank Co. Announces Quarterly Dividend of $0.35 (NASDAQ:MBWM)Mercantile Bank Co. Announces Quarterly Dividend of $0.35 (NASDAQ:MBWM)
marketbeat.com - April 17 at 8:55 AM
Mercantile Bank Corp (MBWM) Exceeds Q1 Earnings Estimates and Reports Revenue GrowthMercantile Bank Corp (MBWM) Exceeds Q1 Earnings Estimates and Reports Revenue Growth
finance.yahoo.com - April 16 at 1:41 PM
MBWM Stock Earnings: Mercantile Bank Beats EPS, Beats Revenue for Q1 2024MBWM Stock Earnings: Mercantile Bank Beats EPS, Beats Revenue for Q1 2024
investorplace.com - April 16 at 12:02 PM
Mercantile Bank (MBWM) Reports Q1 Earnings: What Key Metrics Have to SayMercantile Bank (MBWM) Reports Q1 Earnings: What Key Metrics Have to Say
zacks.com - April 16 at 10:31 AM
Mercantile Bank Corporation 2024 Q1 - Results - Earnings Call PresentationMercantile Bank Corporation 2024 Q1 - Results - Earnings Call Presentation
seekingalpha.com - April 16 at 10:13 AM
Mercantile Bank Q1 Net Income Rises - Quick FactsMercantile Bank Q1 Net Income Rises - Quick Facts
markets.businessinsider.com - April 16 at 8:41 AM
Mercantile Bank declares $0.35 dividendMercantile Bank declares $0.35 dividend
msn.com - April 16 at 8:41 AM
Mercantile Bank GAAP EPS of $1.34 beats by $0.20, revenue of $58.2M beats by $2.82MMercantile Bank GAAP EPS of $1.34 beats by $0.20, revenue of $58.2M beats by $2.82M
msn.com - April 16 at 8:41 AM
Mercantile Bank (MBWM) Q1 Earnings and Revenues Top EstimatesMercantile Bank (MBWM) Q1 Earnings and Revenues Top Estimates
zacks.com - April 16 at 8:05 AM
Mercantile Bank Corporation Announces Robust First Quarter ResultsMercantile Bank Corporation Announces Robust First Quarter Results
prnewswire.com - April 16 at 5:05 AM
Mercantile Bank Corporation Declares Regular Cash DividendMercantile Bank Corporation Declares Regular Cash Dividend
prnewswire.com - April 16 at 5:00 AM
Dhanalakshmi Bank IFSC and MICR CodesDhanalakshmi Bank IFSC and MICR Codes
india.com - April 15 at 3:21 PM
Mercantile Bank earnings preview: what Wall Street is expectingMercantile Bank earnings preview: what Wall Street is expecting
markets.businessinsider.com - April 15 at 10:21 AM
Wall Streets Insights Into Key Metrics Ahead of Mercantile Bank (MBWM) Q1 EarningsWall Street's Insights Into Key Metrics Ahead of Mercantile Bank (MBWM) Q1 Earnings
zacks.com - April 11 at 10:20 AM
Mercantile BankMercantile Bank
forbes.com - April 10 at 8:55 PM
Mercantile Bank (MBWM) Set to Announce Earnings on TuesdayMercantile Bank (MBWM) Set to Announce Earnings on Tuesday
americanbankingnews.com - April 9 at 1:18 AM

New MarketBeat Followers Over Time

Media Sentiment Over Time

Company Descriptions

Business First Bancshares logo

Business First Bancshares

NASDAQ:BFST
Business First Bancshares, Inc. operates as the bank holding company for b1BANK that provides various banking products and services in Louisiana and Texas. It offers various deposit products and services, including checking, demand, money market, time, and savings accounts; and certificates of deposits, remote deposit capture, and direct deposit services. The company also provides commercial and industrial loans, such as working capital, term, equipment financing, asset acquisition, expansion and development, borrowing base, and other loan products, as well as commercial lines of credit, accounts receivable factoring, agricultural financing, and letters of credit; construction and development loans; commercial real estate loans; residential real estate loans comprising first and second lien 1-4 family mortgage loans, and home equity lines of credit; and consumer loans, including secured and unsecured installment, and term loans. In addition, it offers wealth management products, including mutual funds, annuities, individual retirement accounts, and other financial products, as well as other fiduciary and private banking products and services. Further, the company provides a range of other financial services comprising debit and credit cards, treasury and cash management, merchant, automated clearing house, lock-box, receivables factoring, correspondent banking, and other treasury services, as well as employee and payroll benefits solutions; and drive-through banking facilities, automated teller machines, night depository, personalized checks, electronic funds transfer, domestic and foreign wire transfer, traveler's checks, vault, loan and deposit sweep accounts, online and mobile banking, e-statements, and bank-by-mail services. Business First Bancshares, Inc. was founded in 2006 and is headquartered in Baton Rouge, Louisiana.
Bank of Marin Bancorp logo

Bank of Marin Bancorp

NASDAQ:BMRC
Bank of Marin Bancorp operates as the holding company for Bank of Marin that provides a range of financial services primarily to small to medium-sized businesses, not-for-profit organizations, and commercial real estate investors in the United States. The company offers personal and business checking and savings accounts; and individual retirement, health savings, and demand deposit marketplace accounts, as well as time certificates of deposit, certificate of deposit account registry, and insured cash sweep services. It also provides commercial real estate, commercial and industrial, and consumer loans, as well as construction financing and home equity lines of credit. In addition, the company offers merchant and payroll services; commercial equipment leasing program; payment solutions; treasury management services; credit cards; and mobile deposit, remote deposit capture, automated clearing house, wire transfer, and image lockbox services. Further, it provides wealth management and trust services comprising customized investment portfolio management, financial planning, trust administration, estate settlement, and custody services, as well as 401(k) plan services; and automated teller machines, and telephone and digital banking services. The company was incorporated in 1989 and is headquartered in Novato, California.
Coastal Financial logo

Coastal Financial

NASDAQ:CCB
Coastal Financial Corporation operates as the bank holding company for Coastal Community Bank that provides various banking products and services to small and medium-sized businesses, professionals, and individuals in the Puget Sound region in Washington. It accepts a range of deposit products, including demand and savings accounts, time deposits, and money market accounts. The company also offers commercial and industrial loans, such as term loans, commercial lines of credit, capital call lines working capital loans, equipment financing, borrowing base loans, small business administration loans, and other loan products; owner and non-owner-occupied real estate loans, and multi-family residential loans; construction, land, and land development loans; residential real estate loans; and consumer and other loans, including automobile, boat and recreational vehicle, and secured term loans, as well as personal lines of credit, including overdraft protection. In addition, it provides remote deposit capture, online and mobile banking, and direct and reciprocal deposit services; and debit cards. Further, the company offers business accounts and cash management services, including business checking and savings accounts, and treasury services, as well as Banking as a Service (BaaS), a platform that allows broker dealers and digital financial service providers to offer their customers banking services. Coastal Financial Corporation was founded in 1997 and is headquartered in Everett, Washington.
HBT Financial logo

HBT Financial

NASDAQ:HBT
HBT Financial, Inc. operates as the bank holding company for Heartland Bank and Trust Company that provides business, commercial, and retail banking products and services to individuals, businesses, and municipal entities in Central and Northeastern Illinois, and Eastern Iowa. The company's deposits accounts consist of noninterest-bearing demand deposits, interest-bearing transaction accounts, money market accounts, savings accounts, certificates of deposits, health savings accounts, and individual retirement accounts. Its loan offering comprises owner and non-owner occupied commercial real estate; construction and land development and multi-family; commercial and industrial; agricultural and farmland; and one-to-four family residential loans, as well as municipal, consumer, and other loans. The company also offers wealth management services, including financial planning to consumers, trusts, and estates; trustee and custodial; investment management; corporate retirement plan consulting and administration; and retail brokerage services. In addition, it provides farmland management, and farmland sales and services; commercial checking accounts; and treasury management services, as well as originates and sells residential mortgage loans. Further, the company offers digital banking services, such as online and mobile banking, and digital payment services, as well as personal financial management tools. The company was formerly known as Heartland Bancorp, Inc. and changed its name to HBT Financial, Inc. in September 2019. HBT Financial, Inc. was founded in 1920 and is headquartered in Bloomington, Illinois.
Mercantile Bank logo

Mercantile Bank

NASDAQ:MBWM
Mercantile Bank Corporation operates as the bank holding company for Mercantile Bank of Michigan that provides commercial and retail banking services to small- to medium-sized businesses and individuals in the United States. It accepts various deposit products, including checking, savings, and term certificate accounts; time deposits; and certificates of deposit. The company also provides commercial and industrial loans; vacant land, land development, and residential construction loans; owner and non-owner occupied real estate loans; multi-family and residential rental property loans; single-family residential real estate loans; home equity line of credit programs; and consumer loans, such as new and used automobile and boat loans, and credit cards, as well as overdraft protection services; and residential mortgage and instalment loans. In addition, it offers courier services and safe deposit facilities; and insurance products, such as private passenger automobile, homeowners, personal inland marine, boat owners, recreational vehicle, dwelling fire, umbrella policies, small business, and life insurance products. The company was incorporated in 1997 and is headquartered in Grand Rapids, Michigan.