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  <xs:element id="ibcp_SmallBusinessAdministrationSBACARESActPaycheckProtectionProgramMember" abstract="true" name="SmallBusinessAdministrationSBACARESActPaycheckProtectionProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_VISAClassBMember" abstract="true" name="VISAClassBMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_CustomerRetailMember" abstract="true" name="CustomerRetailMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_SubsidiariesTrustFourMember" abstract="true" name="SubsidiariesTrustFourMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_DeferredTaxLiabilitiesUnrealizedGainsOnSecuritiesAvailableForSale" abstract="false" name="DeferredTaxLiabilitiesUnrealizedGainsOnSecuritiesAvailableForSale" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_FinancingReceivableModificationsOfMaturityDateExtension" abstract="false" name="FinancingReceivableModificationsOfMaturityDateExtension" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="ibcp_DebtInstrumentCallOptionPeriod" abstract="false" name="DebtInstrumentCallOptionPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="ibcp_ReciprocalMoneyMarketDeposits" abstract="false" name="ReciprocalMoneyMarketDeposits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_FairValueAssetsMeasuredOnRecurringBasisGainLossRealizedAndUnrealizedAbstract" abstract="true" name="FairValueAssetsMeasuredOnRecurringBasisGainLossRealizedAndUnrealizedAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_PurchasedOptionsMember" abstract="true" name="PurchasedOptionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_LoanRatingsByLoanClassAbstract" abstract="true" name="LoanRatingsByLoanClassAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_HealthCareAndSocialAssistanceMember" abstract="true" name="HealthCareAndSocialAssistanceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_UnobservableInputsWeightedAverageAbstract" abstract="true" name="UnobservableInputsWeightedAverageAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_AllowanceForLoanLossesAndUnfundedLendingCommitmentsLimitedAtSpecificRiskWeightedAssets" abstract="false" name="AllowanceForLoanLossesAndUnfundedLendingCommitmentsLimitedAtSpecificRiskWeightedAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_MandatoryCommitmentsToSellMortgageLoansMember" abstract="true" name="MandatoryCommitmentsToSellMortgageLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_AllowanceForDoubtfulAccountsReceivableChargeOffsDueToTDR" abstract="false" name="AllowanceForDoubtfulAccountsReceivableChargeOffsDueToTDR" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_OverdraftFeesMember" abstract="true" name="OverdraftFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_NetLoansAndLoansHeldForSaleFairValueDisclosure" abstract="false" name="NetLoansAndLoansHeldForSaleFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_FinancingReceivableAccruedInterestFourYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableAccruedInterestFourYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_EmployeeStockOwnershipPlanContributions" abstract="false" name="EmployeeStockOwnershipPlanContributions" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ibcp_StockUnitsOrRestrictedSharesIssuedDuringPeriod" abstract="false" name="StockUnitsOrRestrictedSharesIssuedDuringPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="ibcp_OtherRealEstateAndRepossessedAssetsPolicyTextBlock" abstract="false" name="OtherRealEstateAndRepossessedAssetsPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="ibcp_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueAverageServicingFeeRate" abstract="false" name="ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueAverageServicingFeeRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ibcp_InvestmentAndInsuranceCommissions" abstract="false" name="InvestmentAndInsuranceCommissions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_ServicingAssetAtFairValueChangesInFairValueDueToPrice" abstract="false" name="ServicingAssetAtFairValueChangesInFairValueDueToPrice" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_CostsRelatedToUnfundedLendingCommitments" abstract="false" name="CostsRelatedToUnfundedLendingCommitments" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_OtherRealEstateValuationAllowanceRollForwardTableTextBlock" abstract="false" name="OtherRealEstateValuationAllowanceRollForwardTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="ibcp_InvestmentAndInsuranceCommissionsMember" abstract="true" name="InvestmentAndInsuranceCommissionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_FederalReserveBankAdvancesGeneralDebtObligationsAmountOfAvailableUnusedFunds" abstract="false" name="FederalReserveBankAdvancesGeneralDebtObligationsAmountOfAvailableUnusedFunds" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_RetainedEarningsAccumulatedDeficitSubsidiary" abstract="false" name="RetainedEarningsAccumulatedDeficitSubsidiary" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_DividendsFromSubsidiary" abstract="false" name="DividendsFromSubsidiary" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_FICOScore750To799Member" abstract="true" name="FICOScore750To799Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_OtherIntangibleAssetsAbstract" abstract="true" name="OtherIntangibleAssetsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_AdditionalAmountsCommittedToLendAsTroubledDebtRestructurings" abstract="false" name="AdditionalAmountsCommittedToLendAsTroubledDebtRestructurings" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_FederalHomeLoanBankStockAsPercentagesOfOutstandingAdvances" abstract="false" name="FederalHomeLoanBankStockAsPercentagesOfOutstandingAdvances" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ibcp_MaximumNumberOfConsecutiveQuarterlyLossesRecordedForProfitabilityRequirement" abstract="false" name="MaximumNumberOfConsecutiveQuarterlyLossesRecordedForProfitabilityRequirement" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="ibcp_CollateralDependentLoansValuationAllowance" abstract="false" name="CollateralDependentLoansValuationAllowance" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_AnalysisOfCapitalizedMortgageLoanServicingRightsAbstract" abstract="true" name="AnalysisOfCapitalizedMortgageLoanServicingRightsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_BankOwnedLifeInsurancePolicyTextBlock" abstract="false" name="BankOwnedLifeInsurancePolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="ibcp_CollateralDependentLoanMember" abstract="true" name="CollateralDependentLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_PercentageOfDeclineInNetWorthDuringThePeriod" abstract="false" name="PercentageOfDeclineInNetWorthDuringThePeriod" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ibcp_SummaryOfReciprocalDepositsAbstract" abstract="true" name="SummaryOfReciprocalDepositsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_CollateralDependentLoansMember" abstract="true" name="CollateralDependentLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_EquityInvestmentConversionRatio" abstract="false" name="EquityInvestmentConversionRatio" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="ibcp_FederalReserveBankAmountOutstandingAtEndOfPeriod" abstract="false" name="FederalReserveBankAmountOutstandingAtEndOfPeriod" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_FICOScore650To699Member" abstract="true" name="FICOScore650To699Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_LoanAndCollection" abstract="false" name="LoanAndCollection" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowance" abstract="false" name="TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowance" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_VISAClassAStockMember" abstract="true" name="VISAClassAStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_LoansClassifiedAsTroubledDebtRestructuringsAbstract" abstract="true" name="LoansClassifiedAsTroubledDebtRestructuringsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_LessorsOfNonresidentialRealEstateMember" abstract="true" name="LessorsOfNonresidentialRealEstateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_DeferredTaxAssetDebtSecuritiesHeldToMaturityTransferredFromAvailableForSaleUnrealizedLoss" abstract="false" name="DeferredTaxAssetDebtSecuritiesHeldToMaturityTransferredFromAvailableForSaleUnrealizedLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_NonAccrual1011Member" abstract="true" name="NonAccrual1011Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_ExternalCreditRatingAgencyNonRatedMemberMember" abstract="true" name="ExternalCreditRatingAgencyNonRatedMemberMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_Family14NonOwnerOccupiedMember" abstract="true" name="Family14NonOwnerOccupiedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_ReciprocalDepositsIncludedInDepositsWithStatedMaturity" abstract="false" name="ReciprocalDepositsIncludedInDepositsWithStatedMaturity" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_Family14SecondLienMember" abstract="true" name="Family14SecondLienMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_AggregateIntrinsicValueAbstract" abstract="true" name="AggregateIntrinsicValueAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_AccommodationAndFoodServicesMember" abstract="true" name="AccommodationAndFoodServicesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_FederalReserveBankAverageInterestRate" abstract="false" name="FederalReserveBankAverageInterestRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ibcp_MortgageLoanServicingFees" abstract="false" name="MortgageLoanServicingFees" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_FICOScore600To649Member" abstract="true" name="FICOScore600To649Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_LoansAndLeasesReceivableOutstandingLoanCommitmentsRelatedParties" abstract="false" name="LoansAndLeasesReceivableOutstandingLoanCommitmentsRelatedParties" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_FinancingReceivableAccruedInterestCurrentFiscalYear" abstract="false" name="FinancingReceivableAccruedInterestCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_ServicingAssetAtFairValueChangesInPayDowns" abstract="false" name="ServicingAssetAtFairValueChangesInPayDowns" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_WeightedAverageNumberOfPerformanceSharesStock" abstract="false" name="WeightedAverageNumberOfPerformanceSharesStock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="ibcp_ServiceChargesOnDepositsMember" abstract="true" name="ServiceChargesOnDepositsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_FairValuesOfFinancialInstrumentsAbstract" abstract="true" name="FairValuesOfFinancialInstrumentsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_SummaryOfOtherBorrowingsAbstract" abstract="true" name="SummaryOfOtherBorrowingsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_FinancingReceivableModificationsOfMaturityDate" abstract="false" name="FinancingReceivableModificationsOfMaturityDate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="ibcp_MortgageLoanServicingIncome" abstract="false" name="MortgageLoanServicingIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_EffectiveIncomeTaxRateReconciliationBankOwnedLifeInsuranceIncomeTaxEffectAmount" abstract="false" name="EffectiveIncomeTaxRateReconciliationBankOwnedLifeInsuranceIncomeTaxEffectAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_OtherMember" abstract="true" name="OtherMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_Watch78Member" abstract="true" name="Watch78Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_NumberOfConsecutiveTimelyPaymentsRequired" abstract="false" name="NumberOfConsecutiveTimelyPaymentsRequired" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="ibcp_SummaryOfInformationRegardingSubordinatedDebenturesAbstract" abstract="true" name="SummaryOfInformationRegardingSubordinatedDebenturesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_AccumulatedOtherComprehensiveIncomeLossUnrealizedLossesOnSecuritiesTransferredToSecuritiesHeldToMaturityMember" abstract="true" name="AccumulatedOtherComprehensiveIncomeLossUnrealizedLossesOnSecuritiesTransferredToSecuritiesHeldToMaturityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_FICOScore550To599Member" abstract="true" name="FICOScore550To599Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_LesseeOperatingLeaseBalanceSheetInformationTableTextBlock" abstract="false" name="LesseeOperatingLeaseBalanceSheetInformationTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="ibcp_DeferredTaxLiabilitiesCapitalizedMortgageLoanServicingRights" abstract="false" name="DeferredTaxLiabilitiesCapitalizedMortgageLoanServicingRights" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_OCIDebtSecuritiesAvailableForSaleTransferToHeldToMaturityGainLossBeforeTax" abstract="false" name="OCIDebtSecuritiesAvailableForSaleTransferToHeldToMaturityGainLossBeforeTax" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_FederalHomeLoanBankAdvancesFixedRateMember" abstract="true" name="FederalHomeLoanBankAdvancesFixedRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_NonVestedRestrictedStockAndPerformanceStockUnitsMember" abstract="true" name="NonVestedRestrictedStockAndPerformanceStockUnitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_CapitalizedMortgageLoanServicingRightsFairValueDisclosure" abstract="false" name="CapitalizedMortgageLoanServicingRightsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_DeferredTaxAssetsReserveForUnfundedLendingCommitments" abstract="false" name="DeferredTaxAssetsReserveForUnfundedLendingCommitments" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_PaymentsForInInterestBearingDepositsInBanksTime" abstract="false" name="PaymentsForInInterestBearingDepositsInBanksTime" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_EffectiveIncomeTaxRateReconciliationLowIncomeHousingTaxCreditInvestmentsTaxEffect" abstract="false" name="EffectiveIncomeTaxRateReconciliationLowIncomeHousingTaxCreditInvestmentsTaxEffect" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_InterestExpenseDepositLiabilitiesReciprocalDeposit" abstract="false" name="InterestExpenseDepositLiabilitiesReciprocalDeposit" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_NetIncreaseDecreaseOfPortfolioLoansOriginatedNetOfPrincipalPayments" abstract="false" name="NetIncreaseDecreaseOfPortfolioLoansOriginatedNetOfPrincipalPayments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_TrustPreferredSecurities" abstract="false" name="TrustPreferredSecurities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_NonEmployeeDirectorsMember" abstract="true" name="NonEmployeeDirectorsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_BankOwnedLifeInsurancesAbstract" abstract="true" name="BankOwnedLifeInsurancesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_FinancingReceivableAccruedInterestMoreThanFiveYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableAccruedInterestMoreThanFiveYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_FinancingReceivableAccruedInterestRevolving" abstract="false" name="FinancingReceivableAccruedInterestRevolving" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_GinnieMaeMember" abstract="true" name="GinnieMaeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_ReservedForFutureIssuanceAbstract" abstract="true" name="ReservedForFutureIssuanceAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_AmortizedCostOfCollateralDependentLoansByClassTableTextBlock" abstract="false" name="AmortizedCostOfCollateralDependentLoansByClassTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="ibcp_DebtSecuritiesAvailableForSaleTransferredToHeldToMaturityAmortizedCostBasis" abstract="false" name="DebtSecuritiesAvailableForSaleTransferredToHeldToMaturityAmortizedCostBasis" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_ScheduleOfLoansAndFinancingReceivablesServicedForOthersLineItems" abstract="true" name="ScheduleOfLoansAndFinancingReceivablesServicedForOthersLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_ConstructionLoanConcentrationRiskMember" abstract="true" name="ConstructionLoanConcentrationRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_EmployeeCompensationBenefitHealthCareAndLifeInsuranceExpense" abstract="false" name="EmployeeCompensationBenefitHealthCareAndLifeInsuranceExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_SubordinatedDebtInformationAbstract" abstract="true" name="SubordinatedDebtInformationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_SubsidiariesTrustThreeMember" abstract="true" name="SubsidiariesTrustThreeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_RemainingUnaccretedNetFees" abstract="false" name="RemainingUnaccretedNetFees" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_SubsidiariesTrustFiveMember" abstract="true" name="SubsidiariesTrustFiveMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_InterchangeIncome" abstract="false" name="InterchangeIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_LoanRevenueRecognitionAbstract" abstract="true" name="LoanRevenueRecognitionAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_FinancingReceivableRecordedInvestmentNonPerformingLoans" abstract="false" name="FinancingReceivableRecordedInvestmentNonPerformingLoans" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_ManufacturingMember" abstract="true" name="ManufacturingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_OtherDepositRelatedIncomeMember" abstract="true" name="OtherDepositRelatedIncomeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_BookValueOfPledgedSecurities" abstract="false" name="BookValueOfPledgedSecurities" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_FinancingReceivableModificationsOfStatedInterestRatePeriodExtension" abstract="false" name="FinancingReceivableModificationsOfStatedInterestRatePeriodExtension" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="ibcp_CustomerBusinessMember" abstract="true" name="CustomerBusinessMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_SummaryOfReciprocalDepositsTableTextBlock" abstract="false" name="SummaryOfReciprocalDepositsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="ibcp_DataProcessing" abstract="false" name="DataProcessing" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_NonPerformingLoanInterestIncomeRecorded" abstract="false" name="NonPerformingLoanInterestIncomeRecorded" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesOtherThanTemporaryImpairmentLossAdjustmentBeforeReclassificationAdjustmentsAndTax" abstract="false" name="OtherComprehensiveIncomeLossAvailableForSaleSecuritiesOtherThanTemporaryImpairmentLossAdjustmentBeforeReclassificationAdjustmentsAndTax" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_DeferredTaxLiabilitiesDeferredExpenseDeferredLoanOriginationFeesCosts" abstract="false" name="DeferredTaxLiabilitiesDeferredExpenseDeferredLoanOriginationFeesCosts" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_PropertyPlantAndEquipmentUsefulLifeAbstract" abstract="true" name="PropertyPlantAndEquipmentUsefulLifeAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_MortgageLoansServicedForOthersAbstract" abstract="true" name="MortgageLoansServicedForOthersAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_IndependentBankMember" abstract="true" name="IndependentBankMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_StockRepurchaseProgramPercentageOfSharesAuthorizedToBeRepurchased" abstract="false" name="StockRepurchaseProgramPercentageOfSharesAuthorizedToBeRepurchased" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ibcp_ReclassificationAdjustmentAccumulatedOtherComprehensiveIncomeAbstract" abstract="true" name="ReclassificationAdjustmentAccumulatedOtherComprehensiveIncomeAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_ReciprocalDepositsIncludedInDepositsNoStatedMaturity" abstract="false" name="ReciprocalDepositsIncludedInDepositsNoStatedMaturity" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_DeferredTaxAssetSecuritiesPremiumAmortization" abstract="false" name="DeferredTaxAssetSecuritiesPremiumAmortization" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_CollateralDependentLoansByClassAbstract" abstract="true" name="CollateralDependentLoansByClassAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_CapitalizedMortgageLoanServicingRightsPolicyTextBlock" abstract="false" name="CapitalizedMortgageLoanServicingRightsPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="ibcp_QualifyingTrustPreferredSecurities" abstract="false" name="QualifyingTrustPreferredSecurities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_PercentageOfVotingInterestOwnedByRelatedParty" abstract="false" name="PercentageOfVotingInterestOwnedByRelatedParty" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ibcp_CurrentExpectedCreditLoss" abstract="false" name="CurrentExpectedCreditLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_IncomeLossFromContinuingOperationsBeforeEquityInUndistributedNetLossOfSubsidiaries" abstract="false" name="IncomeLossFromContinuingOperationsBeforeEquityInUndistributedNetLossOfSubsidiaries" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_CommercialRealEstateLoanMember" abstract="true" name="CommercialRealEstateLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_RecreationalVehicleLendingMember" abstract="true" name="RecreationalVehicleLendingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_MeasurementInputCostToServiceApproachMember" abstract="true" name="MeasurementInputCostToServiceApproachMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_PurchaseOfSecuritiesAvailableForSaleNotYetSettled" abstract="false" name="PurchaseOfSecuritiesAvailableForSaleNotYetSettled" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_FinancingReceivableAccruedInterestThreeYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableAccruedInterestThreeYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_WrittenOptionsMember" abstract="true" name="WrittenOptionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_InstallmentPortfolioSegmentMember" abstract="true" name="InstallmentPortfolioSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_EffectOfDerivativeFinancialInstrumentsOnConsolidatedFinancialStatementsOfOperationsAbstract" abstract="true" name="EffectOfDerivativeFinancialInstrumentsOnConsolidatedFinancialStatementsOfOperationsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_AverageReserveBalanceRequiredToBeMaintained" abstract="false" name="AverageReserveBalanceRequiredToBeMaintained" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_NonPerformingLoanInterestIncome" abstract="false" name="NonPerformingLoanInterestIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_DeferredTaxAssetsOtherThanTemporaryImpairmentChargeOnSecuritiesAvailableForSale" abstract="false" name="DeferredTaxAssetsOtherThanTemporaryImpairmentChargeOnSecuritiesAvailableForSale" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_InterchangeIncomeMember" abstract="true" name="InterchangeIncomeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_AdditionsDeductionsAbstract" abstract="true" name="AdditionsDeductionsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_OtherRealEstateRollAcquiredForwardTableTextBlock" abstract="false" name="OtherRealEstateRollAcquiredForwardTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="ibcp_ATMFeesMember" abstract="true" name="ATMFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_ConstructionAndLandDevelopmentLoansMember" abstract="true" name="ConstructionAndLandDevelopmentLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_FederalHomeLoanBankFHLBMember" abstract="true" name="FederalHomeLoanBankFHLBMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_AccumulatedOtherComprehensiveIncomeLossDisproportionateTaxEffectsFromSecuritiesAvailableForSaleMember" abstract="true" name="AccumulatedOtherComprehensiveIncomeLossDisproportionateTaxEffectsFromSecuritiesAvailableForSaleMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_ComponentsOfRegulatoryCapitalTableTextBlock" abstract="false" name="ComponentsOfRegulatoryCapitalTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="ibcp_CreditQualityExternallyCreditRatedAndNonRatedSecuritiesMember" abstract="true" name="CreditQualityExternallyCreditRatedAndNonRatedSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_OtherMortgageLoansServicedMember" abstract="true" name="OtherMortgageLoansServicedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsIncentiveCompensation" abstract="false" name="DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsIncentiveCompensation" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_FederalReserveBankStockPolicyTextBlock" abstract="false" name="FederalReserveBankStockPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="ibcp_Family14Member" abstract="true" name="Family14Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_SecuritizationOfPortfolioLoans" abstract="false" name="SecuritizationOfPortfolioLoans" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_OtherRealEstateAcquiredDisposals" abstract="false" name="OtherRealEstateAcquiredDisposals" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_ScheduleOfOtherNonInterestIncomeTableTextBlock" abstract="false" name="ScheduleOfOtherNonInterestIncomeTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="ibcp_BoatLendingMember" abstract="true" name="BoatLendingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_FinancingReceivableNumberOfLoansOutstanding" abstract="false" name="FinancingReceivableNumberOfLoansOutstanding" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="ibcp_ReciprocalDemandDeposits" abstract="false" name="ReciprocalDemandDeposits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_InterestBearingDepositsTime" abstract="false" name="InterestBearingDepositsTime" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_GroupFlexiblePremiumNonParticipatingVariableLifeInsuranceContract" abstract="false" name="GroupFlexiblePremiumNonParticipatingVariableLifeInsuranceContract" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="ibcp_DerivativeInstrumentAmountOfContractMatured" abstract="false" name="DerivativeInstrumentAmountOfContractMatured" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_DepositorAccountsFeesAndCommissions" abstract="false" name="DepositorAccountsFeesAndCommissions" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_CollateralDependentLoansFairValue" abstract="false" name="CollateralDependentLoansFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_DeferredTaxLiabilitiesPurchasePremiumsNet" abstract="false" name="DeferredTaxLiabilitiesPurchasePremiumsNet" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_FederalHomeLoanBankAdvancesPolicyTextBlock" abstract="false" name="FederalHomeLoanBankAdvancesPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="ibcp_FreddieMacMember" abstract="true" name="FreddieMacMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_DeferredTaxAssetsLeaseLiabilities" abstract="false" name="DeferredTaxAssetsLeaseLiabilities" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_AverageRecordedInvestmentInAndInterestIncomeEarnedOnImpairedLoansByClassTableTextBlock" abstract="false" name="AverageRecordedInvestmentInAndInterestIncomeEarnedOnImpairedLoansByClassTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="ibcp_DividendReinvestmentPlanMember" abstract="true" name="DividendReinvestmentPlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_ScheduleOfLoansAndFinancingReceivablesServicedForOthersTable" abstract="true" name="ScheduleOfLoansAndFinancingReceivablesServicedForOthersTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_DefinedContributionPlanMaximumAnnualContributionsEmployerPercent" abstract="false" name="DefinedContributionPlanMaximumAnnualContributionsEmployerPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ibcp_ResidentialHomeEquityAndOtherJuniorMortgagesMember" abstract="true" name="ResidentialHomeEquityAndOtherJuniorMortgagesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_CreditScoresByLoanClassAbstract" abstract="true" name="CreditScoresByLoanClassAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_PresentValueOfNetServicingRevenueMember" abstract="true" name="PresentValueOfNetServicingRevenueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_StockRepurchaseProgramAbstract" abstract="true" name="StockRepurchaseProgramAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_LoansHeldForSaleUnrealizedGainLoss" abstract="false" name="LoansHeldForSaleUnrealizedGainLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_RegulatoryMattersAbstract" abstract="true" name="RegulatoryMattersAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_OtherMiscellaneousNonInterestIncome" abstract="false" name="OtherMiscellaneousNonInterestIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_FICOScore500To549Member" abstract="true" name="FICOScore500To549Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_LoansHeldForSaleCarriedAtTheLowerOfCostOrFairValue" abstract="false" name="LoansHeldForSaleCarriedAtTheLowerOfCostOrFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_DistributionDeferralPeriodSubordinatedDebentures" abstract="false" name="DistributionDeferralPeriodSubordinatedDebentures" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="ibcp_StateAndPoliticalSubdivisionShareholdersEquityThreshold" abstract="false" name="StateAndPoliticalSubdivisionShareholdersEquityThreshold" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ibcp_AssetManagementRevenueMember" abstract="true" name="AssetManagementRevenueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_CollateralDependentLoansAbstract" abstract="true" name="CollateralDependentLoansAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_FairValueOffBalanceSheetRisksDisclosureInformationAbstract" abstract="true" name="FairValueOffBalanceSheetRisksDisclosureInformationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_DerivativeFinancialInstrumentsAccordingToTypeOfHedgeDesignationTableTextBlock" abstract="false" name="DerivativeFinancialInstrumentsAccordingToTypeOfHedgeDesignationTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="ibcp_SharesIssuedOnDeferralBasisCreditedPercentageOfCurrentValue" abstract="false" name="SharesIssuedOnDeferralBasisCreditedPercentageOfCurrentValue" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ibcp_CurrentExpectedCreditLossTransitionMethodForRegulatoryPurpose" abstract="false" name="CurrentExpectedCreditLossTransitionMethodForRegulatoryPurpose" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="ibcp_FeesATMCards" abstract="false" name="FeesATMCards" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_TroubledDebtRestructuringsDuringPeriodTableTextBlock" abstract="false" name="TroubledDebtRestructuringsDuringPeriodTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="ibcp_PercentageOfRevenueExcludedFromASU201409" abstract="false" name="PercentageOfRevenueExcludedFromASU201409" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ibcp_NumberOfPastDueDaysForCommercialLoanInstallmentLoansAndPaymentPlanReceivables" abstract="false" name="NumberOfPastDueDaysForCommercialLoanInstallmentLoansAndPaymentPlanReceivables" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="ibcp_OffBalanceSheetRisksAbstract" abstract="true" name="OffBalanceSheetRisksAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_ContractDisclosureOffBalanceSheetRisksAmount" abstract="false" name="ContractDisclosureOffBalanceSheetRisksAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_InterestRateSwapNoncommercialMember" abstract="true" name="InterestRateSwapNoncommercialMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_SubstandardAccrual9Member" abstract="true" name="SubstandardAccrual9Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueAverageCouponRate" abstract="false" name="ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueAverageCouponRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ibcp_InvestmentOwnedBalanceSharesValue" abstract="false" name="InvestmentOwnedBalanceSharesValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_MaximumPercentageOfDeclineInNetWorthForTwoConsecutiveQuarters" abstract="false" name="MaximumPercentageOfDeclineInNetWorthForTwoConsecutiveQuarters" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ibcp_MortgageLoanServicingRightsAbstract" abstract="true" name="MortgageLoanServicingRightsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_FederalReserveBankAverageBorrowings" abstract="false" name="FederalReserveBankAverageBorrowings" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_ScheduleOfCapitalizedMortgageLoanServicingRightsTableTextBlock" abstract="false" name="ScheduleOfCapitalizedMortgageLoanServicingRightsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="ibcp_TransferOfSecuritiesFromAvailableForSaleToHeldToMaturity" abstract="false" name="TransferOfSecuritiesFromAvailableForSaleToHeldToMaturity" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_OtherRealEstateAcquiredValuationAdjustments" abstract="false" name="OtherRealEstateAcquiredValuationAdjustments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_IncentiveBasedCompensationExpense" abstract="false" name="IncentiveBasedCompensationExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_CollateralDependentLoansCarryingAmount" abstract="false" name="CollateralDependentLoansCarryingAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_NumberOfRealEstateAssetsSold" abstract="false" name="NumberOfRealEstateAssetsSold" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="ibcp_PastDuePeriodForModifiedLoans" abstract="false" name="PastDuePeriodForModifiedLoans" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="ibcp_ImpairedLoansInstallmentMember" abstract="true" name="ImpairedLoansInstallmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_FinancingReceivableAccruedInterestFiscalYearBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableAccruedInterestFiscalYearBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_ForeclosedResidentialRealEstate" abstract="false" name="ForeclosedResidentialRealEstate" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_ReciprocalTimeDeposits" abstract="false" name="ReciprocalTimeDeposits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_DebtSecuritiesAvailableForSaleTransferredToHeldToMaturityUnrealizedLossPosition" abstract="false" name="DebtSecuritiesAvailableForSaleTransferredToHeldToMaturityUnrealizedLossPosition" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_ResortLendingMember" abstract="true" name="ResortLendingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_ReciprocalDeposits" abstract="false" name="ReciprocalDeposits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_TransactionBasedRevenueMember" abstract="true" name="TransactionBasedRevenueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_CommitmentsAndContingenciesLineItems" abstract="true" name="CommitmentsAndContingenciesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_InterchangeExpense" abstract="false" name="InterchangeExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_ComponentsOfRegulatoryCapitalAbstract" abstract="true" name="ComponentsOfRegulatoryCapitalAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_DebtSecuritiesHeldToMaturityTransferUnrealizedLoss" abstract="false" name="DebtSecuritiesHeldToMaturityTransferUnrealizedLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_ConversionRelatedExpense" abstract="false" name="ConversionRelatedExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_TimeDeposits250000OrMore" abstract="false" name="TimeDeposits250000OrMore" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_InstallmentOtherMember" abstract="true" name="InstallmentOtherMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_OtherRealEstateImpairedNetReserves" abstract="false" name="OtherRealEstateImpairedNetReserves" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_DifferenceInAggregateFairValueAndAggregateRemainingContractualPrincipalBalanceForLoansHeldForSaleTableTextBlock" abstract="false" name="DifferenceInAggregateFairValueAndAggregateRemainingContractualPrincipalBalanceForLoansHeldForSaleTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="ibcp_LongTermIncentivePlansMember" abstract="true" name="LongTermIncentivePlansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_DeferredTaxLiabilityLeaseRightOfUseAsset" abstract="false" name="DeferredTaxLiabilityLeaseRightOfUseAsset" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_MeasurementInputAncillaryIncomeMember" abstract="true" name="MeasurementInputAncillaryIncomeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_CommitmentsAndContingenciesTable" abstract="true" name="CommitmentsAndContingenciesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_SharesIssuedInPlaceOfRetainerFees" abstract="false" name="SharesIssuedInPlaceOfRetainerFees" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="ibcp_LongTermIncentivePlanMember" abstract="true" name="LongTermIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_Family14OwnerOccupiedJumboMember" abstract="true" name="Family14OwnerOccupiedJumboMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_AssetsPledgedAsCollateral" abstract="false" name="AssetsPledgedAsCollateral" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_FICOScoreGreaterThan800Member" abstract="true" name="FICOScoreGreaterThan800Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_EffectiveIncomeTaxRateReconciliationShareBasedCompensationCostExcessBenefitDeficitAmount" abstract="false" name="EffectiveIncomeTaxRateReconciliationShareBasedCompensationCostExcessBenefitDeficitAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_FinancingReceivableModificationsOfStatedInterestRatePeriod" abstract="false" name="FinancingReceivableModificationsOfStatedInterestRatePeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="ibcp_OtherRealEstateAcquiredAdditions" abstract="false" name="OtherRealEstateAcquiredAdditions" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_TimeDepositsDenominationsAmount" abstract="false" name="TimeDepositsDenominationsAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_DeferredTaxAssetsLossReimbursementOnSoldLoansReserve" abstract="false" name="DeferredTaxAssetsLossReimbursementOnSoldLoansReserve" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_ScheduleOfOtherMortgageLoansServicesPrincipalBalancesTableTextBlock" abstract="false" name="ScheduleOfOtherMortgageLoansServicesPrincipalBalancesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="ibcp_ReserveBalancesMaintainedAtOtherFinancialInstitutions" abstract="false" name="ReserveBalancesMaintainedAtOtherFinancialInstitutions" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_MortgageLoansOnRealEstateServiced" abstract="false" name="MortgageLoansOnRealEstateServiced" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_FederalHomeLoanBankStockAsPercentagesOfUnpaidPrincipalBalance" abstract="false" name="FederalHomeLoanBankStockAsPercentagesOfUnpaidPrincipalBalance" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ibcp_ImpairedLoansMeasurementInput" abstract="false" name="ImpairedLoansMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="ibcp_FinancingReceivableAccruedInterestTwoYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableAccruedInterestTwoYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_IncomeTaxReconciliationUnrecognizedTaxBenefits" abstract="false" name="IncomeTaxReconciliationUnrecognizedTaxBenefits" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_FinancingReceivableGovernmentGuaranteedLoans" abstract="false" name="FinancingReceivableGovernmentGuaranteedLoans" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_NonWatch16Member" abstract="true" name="NonWatch16Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_FiniteLivedIntangibleAssetUsefulLifeAbstract" abstract="true" name="FiniteLivedIntangibleAssetUsefulLifeAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_TroubledDebtRestructuringAbstract" abstract="true" name="TroubledDebtRestructuringAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_ResidentialRealEstateLoanConcentrationRiskMember" abstract="true" name="ResidentialRealEstateLoanConcentrationRiskMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_CommercialAndIndustrialMember" abstract="true" name="CommercialAndIndustrialMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_LessorsOfResidentialRealEstateMember" abstract="true" name="LessorsOfResidentialRealEstateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_InterestBearingDepositsWithBanksFairValueDisclosure" abstract="false" name="InterestBearingDepositsWithBanksFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_FinancingReceivableAmountOfLoansFunded" abstract="false" name="FinancingReceivableAmountOfLoansFunded" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_FederalHomeLoanBankAdvancesHomeEquityCollateral" abstract="false" name="FederalHomeLoanBankAdvancesHomeEquityCollateral" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ibcp_InterestBearingDepositsPolicyTextBlock" abstract="false" name="InterestBearingDepositsPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="ibcp_CollateralDependentLoansMortgageAndInstallmentMember" abstract="true" name="CollateralDependentLoansMortgageAndInstallmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_MaximumPercentageOfDeclineInNetWorthForOneConsecutiveQuarter" abstract="false" name="MaximumPercentageOfDeclineInNetWorthForOneConsecutiveQuarter" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ibcp_CapitalizedMortgageLoanServicingRightsMember" abstract="true" name="CapitalizedMortgageLoanServicingRightsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_FICOScoreUnder500Member" abstract="true" name="FICOScoreUnder500Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_Borrowings" abstract="false" name="Borrowings" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_OtherCollateralLoanMember" abstract="true" name="OtherCollateralLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_NoninterestIncomeOtherOperatingIncomeOther" abstract="false" name="NoninterestIncomeOtherOperatingIncomeOther" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
