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      <link:roleType roleURI="http://independentbank.com/role/AccumulatedOtherComprehensiveIncomeLossTables" id="AccumulatedOtherComprehensiveIncomeLossTables">
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        <link:definition>082300 - Disclosure - ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://independentbank.com/role/IndependentBankCorporationParentCompanyOnlyFinancialInformationTables" id="IndependentBankCorporationParentCompanyOnlyFinancialInformationTables">
        <!--Parent Role: INDEPENDENT BANK CORPORATION (PARENT COMPANY ONLY) FINANCIAL INFORMATION-->
        <link:definition>082400 - Disclosure - INDEPENDENT BANK CORPORATION (PARENT COMPANY ONLY) FINANCIAL INFORMATION (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://independentbank.com/role/RevenueFromContractsWithCustomersTables" id="RevenueFromContractsWithCustomersTables">
        <!--Parent Role: REVENUE FROM CONTRACTS WITH CUSTOMERS-->
        <link:definition>082500 - Disclosure - REVENUE FROM CONTRACTS WITH CUSTOMERS (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
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      <link:roleType roleURI="http://independentbank.com/role/AccountingPoliciesNatureOfOperationsDetails" id="AccountingPoliciesNatureOfOperationsDetails">
        <!--Parent Role: ACCOUNTING POLICIES-->
        <link:definition>090100 - Disclosure - ACCOUNTING POLICIES, Nature of Operations (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://independentbank.com/role/AccountingPoliciesOperatingSegmentsDetails" id="AccountingPoliciesOperatingSegmentsDetails">
        <!--Parent Role: ACCOUNTING POLICIES-->
        <link:definition>090102 - Disclosure - ACCOUNTING POLICIES, Operating Segments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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        <!--Parent Role: ACCOUNTING POLICIES-->
        <link:definition>090104 - Disclosure - ACCOUNTING POLICIES, Capitalized Mortgage Loan Servicing Rights (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
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      <link:roleType roleURI="http://independentbank.com/role/AccountingPoliciesLoanRevenueRecognitionDetails" id="AccountingPoliciesLoanRevenueRecognitionDetails">
        <!--Parent Role: ACCOUNTING POLICIES-->
        <link:definition>090106 - Disclosure - ACCOUNTING POLICIES, Loan Revenue Recognition (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
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      <link:roleType roleURI="http://independentbank.com/role/AccountingPoliciesPropertyAndEquipmentDetails" id="AccountingPoliciesPropertyAndEquipmentDetails">
        <!--Parent Role: ACCOUNTING POLICIES-->
        <link:definition>090110 - Disclosure - ACCOUNTING POLICIES, Property and Equipment (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://independentbank.com/role/AccountingPoliciesBankOwnedLifeInsuranceDetails" id="AccountingPoliciesBankOwnedLifeInsuranceDetails">
        <!--Parent Role: ACCOUNTING POLICIES-->
        <link:definition>090112 - Disclosure - ACCOUNTING POLICIES, Bank Owned Life Insurance (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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        <!--Parent Role: ACCOUNTING POLICIES-->
        <link:definition>090114 - Disclosure - ACCOUNTING POLICIES, Other Intangibles (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://independentbank.com/role/AccountingPoliciesCommonStockDetails" id="AccountingPoliciesCommonStockDetails">
        <!--Parent Role: ACCOUNTING POLICIES-->
        <link:definition>090116 - Disclosure - ACCOUNTING POLICIES, Common Stock (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://independentbank.com/role/AccountingPoliciesAdoptionOfNewAccountingStandardsDetails" id="AccountingPoliciesAdoptionOfNewAccountingStandardsDetails">
        <!--Parent Role: ACCOUNTING POLICIES-->
        <link:definition>090118 - Disclosure - ACCOUNTING POLICIES, Adoption of New Accounting Standards (Details)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://independentbank.com/role/RestrictionsOnCashAndDueFromBanksDetails" id="RestrictionsOnCashAndDueFromBanksDetails">
        <!--Parent Role: RESTRICTIONS ON CASH AND DUE FROM BANKS-->
        <link:definition>090200 - Disclosure - RESTRICTIONS ON CASH AND DUE FROM BANKS (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://independentbank.com/role/SecuritiesAvailableForSaleGrossUnrealizedLossesAndFairValuesDetails" id="SecuritiesAvailableForSaleGrossUnrealizedLossesAndFairValuesDetails">
        <!--Parent Role: SECURITIES-->
        <link:definition>090300 - Disclosure - SECURITIES, Available for sale, Gross Unrealized Losses and Fair Values (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://independentbank.com/role/SecuritiesAmortizedCostAndFairValueSecuritiesAvailableForSaleContractualMaturitiesDetails" id="SecuritiesAmortizedCostAndFairValueSecuritiesAvailableForSaleContractualMaturitiesDetails">
        <!--Parent Role: SECURITIES-->
        <link:definition>090302 - Disclosure - SECURITIES, Amortized Cost and Fair Value Securities Available for Sale Contractual Maturities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://independentbank.com/role/SecuritiesGainsAndLossesRealizedOnSaleOfSecuritiesAvailableForSaleDetails" id="SecuritiesGainsAndLossesRealizedOnSaleOfSecuritiesAvailableForSaleDetails">
        <!--Parent Role: SECURITIES-->
        <link:definition>090304 - Disclosure - SECURITIES, Gains and Losses Realized on Sale of Securities Available for Sale (Details)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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        <!--Parent Role: LOANS-->
        <link:definition>090400 - Disclosure - LOANS, Loan Portfolios (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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        <!--Parent Role: LOANS-->
        <link:definition>090402 - Disclosure - LOANS, Allowance for Credit Losses (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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        <link:definition>090404 - Disclosure - LOANS, Allowance for Credit Losses, Probable Incurred Loss Methodology (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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        <link:definition>090406 - Disclosure - LOANS, Receivables Past Due (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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        <link:definition>090408 - Disclosure - LOANS, Amortized Cost of Collateral-dependent Loans by Class (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://independentbank.com/role/LoansAgingAnalysisOfLoansByClassDetails" id="LoansAgingAnalysisOfLoansByClassDetails">
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        <link:definition>090410 - Disclosure - LOANS, Aging Analysis of Loans by Class (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://independentbank.com/role/LoansImpairedFinancingReceivablesDetails" id="LoansImpairedFinancingReceivablesDetails">
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        <link:definition>090412 - Disclosure - LOANS, Impaired Financing Receivables (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://independentbank.com/role/LoansTroubledDebtRestructuringsDetails" id="LoansTroubledDebtRestructuringsDetails">
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        <link:definition>090414 - Disclosure - LOANS, Troubled Debt Restructurings (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
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        <link:definition>090416 - Disclosure - LOANS, Non-TDR Loan Modifications and PPP Due to COVID-19 (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
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        <link:definition>090418 - Disclosure - LOANS, Loan Ratings by Loan Class, Commercial (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>090420 - Disclosure - LOANS, Credit Scores by Loan Class, Mortgage and Installment Segments, Current Period (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://independentbank.com/role/LoansLoanRatingsByLoanClassMortgageAndInstallmentSegmentsDetails" id="LoansLoanRatingsByLoanClassMortgageAndInstallmentSegmentsDetails">
        <!--Parent Role: LOANS-->
        <link:definition>090422 - Disclosure - LOANS, Loan Ratings by Loan Class, Mortgage and Installment Segments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://independentbank.com/role/LoansLoansServicedForOthersDetails" id="LoansLoansServicedForOthersDetails">
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        <link:definition>090424 - Disclosure - LOANS, Loans Serviced for Others (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://independentbank.com/role/OtherRealEstateDetails" id="OtherRealEstateDetails">
        <!--Parent Role: OTHER REAL ESTATE-->
        <link:definition>090500 - Disclosure - OTHER REAL ESTATE (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://independentbank.com/role/PropertyAndEquipmentDetails" id="PropertyAndEquipmentDetails">
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        <link:definition>090600 - Disclosure - PROPERTY AND EQUIPMENT (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://independentbank.com/role/GoodwillAndOtherIntangiblesDetails" id="GoodwillAndOtherIntangiblesDetails">
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        <link:definition>090700 - Disclosure - GOODWILL AND OTHER INTANGIBLES (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://independentbank.com/role/DepositsDetails" id="DepositsDetails">
        <!--Parent Role: DEPOSITS-->
        <link:definition>090800 - Disclosure - DEPOSITS (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://independentbank.com/role/OtherBorrowingsDetails" id="OtherBorrowingsDetails">
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        <link:definition>090900 - Disclosure - OTHER BORROWINGS (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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        <link:definition>091000 - Disclosure - SUBORDINATED DEBT AND DEBENTURES, Subordinated Debt (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>091002 - Disclosure - SUBORDINATED DEBT AND DEBENTURES, Subordinated Debentures (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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        <link:definition>091100 - Disclosure - COMMITMENTS AND CONTINGENT LIABILITIES (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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        <link:definition>091200 - Disclosure - SHAREHOLDERS' EQUITY AND NET INCOME PER COMMON SHARE, Shareholders' Equity (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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        <!--Parent Role: SHAREHOLDERS' EQUITY AND NET INCOME PER COMMON SHARE-->
        <link:definition>091202 - Disclosure - SHAREHOLDERS' EQUITY AND NET INCOME PER COMMON SHARE, Earnings Per Share Reconciliation (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://independentbank.com/role/IncomeTaxDetails" id="IncomeTaxDetails">
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        <link:definition>091300 - Disclosure - INCOME TAX (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>091400 - Disclosure - SHARE BASED COMPENSATION AND BENEFIT PLANS, Share Based Payment Plans (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>091402 - Disclosure - SHARE BASED COMPENSATION AND BENEFIT PLANS, Outstanding Stock Option Grants and Related Transactions (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>091404 - Disclosure - SHARE BASED COMPENSATION AND BENEFIT PLANS, Outstanding Non-vested Stock and Related Transactions (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
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        <link:definition>091406 - Disclosure - SHARE BASED COMPENSATION AND BENEFIT PLANS, Options Exercised During the Periods (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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        <link:definition>091500 - Disclosure - OTHER NON-INTEREST INCOME (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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        <!--Parent Role: DERIVATIVE FINANCIAL INSTRUMENTS-->
        <link:definition>091600 - Disclosure - DERIVATIVE FINANCIAL INSTRUMENTS, Type of Hedge Designation and Fair Value of Derivative Instruments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://independentbank.com/role/DerivativeFinancialInstrumentsEffectOnStatementOfOperationsDetails" id="DerivativeFinancialInstrumentsEffectOnStatementOfOperationsDetails">
        <!--Parent Role: DERIVATIVE FINANCIAL INSTRUMENTS-->
        <link:definition>091602 - Disclosure - DERIVATIVE FINANCIAL INSTRUMENTS, Effect on Statement of Operations (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
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        <!--Parent Role: RELATED PARTY TRANSACTIONS-->
        <link:definition>091700 - Disclosure - RELATED PARTY TRANSACTIONS (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://independentbank.com/role/LeasesDetails" id="LeasesDetails">
        <!--Parent Role: LEASES-->
        <link:definition>091800 - Disclosure - LEASES (Details)</link:definition>
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  <xs:element name="GovernmentAgencyCommercialMortgageBackedDebtMaturitiesWithoutSingleMaturityDateFairValue" id="ibcp_GovernmentAgencyCommercialMortgageBackedDebtMaturitiesWithoutSingleMaturityDateFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="PropertyPlantAndEquipmentUsefulLifeAbstract" id="ibcp_PropertyPlantAndEquipmentUsefulLifeAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="REGULATORYMATTERSAbstract" id="ibcp_REGULATORYMATTERSAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ComponentsOfRegulatoryCapitalTextBlock" id="ibcp_ComponentsOfRegulatoryCapitalTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="AverageReserveBalancesToBeMaintained" id="ibcp_AverageReserveBalancesToBeMaintained" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="ReserveBalancesMaintainedAtOtherFinancialInstitutions" id="ibcp_ReserveBalancesMaintainedAtOtherFinancialInstitutions" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="RetainedEarningsAccumulatedDeficitSubsidiary" id="ibcp_RetainedEarningsAccumulatedDeficitSubsidiary" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="CurrentExpectedCreditLossTransitionMethodForRegulatoryPurpose" id="ibcp_CurrentExpectedCreditLossTransitionMethodForRegulatoryPurpose" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="ComponentsOfRegulatoryCapitalAbstract" id="ibcp_ComponentsOfRegulatoryCapitalAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="AllowanceForLoanLossesAndUnfundedLendingCommitmentsLimitedAtSpecificRiskWeightedAssets" id="ibcp_AllowanceForLoanLossesAndUnfundedLendingCommitmentsLimitedAtSpecificRiskWeightedAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="AddDeductAbstract" id="ibcp_AddDeductAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="IndependentBankMember" id="ibcp_IndependentBankMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="CurrentExpectedCreditLoss" id="ibcp_CurrentExpectedCreditLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="QualifyingTrustPreferredSecurities" id="ibcp_QualifyingTrustPreferredSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="NumberOfSecuritiesNotExternallyRated" id="ibcp_NumberOfSecuritiesNotExternallyRated" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="NumberOfSecuritiesRatedAsInvestmentGrade" id="ibcp_NumberOfSecuritiesRatedAsInvestmentGrade" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="NonRatedTrustPreferredSecuritiesFairValue" id="ibcp_NonRatedTrustPreferredSecuritiesFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="NonRatedTrustPreferredSecuritiesAmortizedCost" id="ibcp_NonRatedTrustPreferredSecuritiesAmortizedCost" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="OtherNonInterestIncomeTextBlock" id="ibcp_OtherNonInterestIncomeTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="ScheduleOfOtherNonInterestIncomeTableTextBlock" id="ibcp_ScheduleOfOtherNonInterestIncomeTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="OtherMiscellaneousNonInterestIncome" id="ibcp_OtherMiscellaneousNonInterestIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="InvestmentAndInsuranceCommissions" id="ibcp_InvestmentAndInsuranceCommissions" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="FeesATMCards" id="ibcp_FeesATMCards" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="FederalHomeLoanBankAdvancesPolicyTextBlock" id="ibcp_FederalHomeLoanBankAdvancesPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="InterestBearingDepositsPolicyTextBlock" id="ibcp_InterestBearingDepositsPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="FEDERALRESERVEBANKSTOCKPolicyTextBlock" id="ibcp_FEDERALRESERVEBANKSTOCKPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="BankOwnedLifeInsurancePolicyTextBlock" id="ibcp_BankOwnedLifeInsurancePolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="CapitalizedMortgageLoanServicingRightsPolicyTextBlock" id="ibcp_CapitalizedMortgageLoanServicingRightsPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="OtherRealEstateAndRepossessedAssetsPolicyTextBlock" id="ibcp_OtherRealEstateAndRepossessedAssetsPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="MortgageLoanServicingRightsAbstract" id="ibcp_MortgageLoanServicingRightsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="MortgageLoanServicingFees" id="ibcp_MortgageLoanServicingFees" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="NonPerformingLoansAbstract" id="ibcp_NonPerformingLoansAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FinancingReceivableGovernmentGuaranteedLoans" id="ibcp_FinancingReceivableGovernmentGuaranteedLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="NonPerformingLoanInterestIncomeRecorded" id="ibcp_NonPerformingLoanInterestIncomeRecorded" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="FinancingReceivableNonaccrualWithAllowanceForCreditLoss" id="ibcp_FinancingReceivableNonaccrualWithAllowanceForCreditLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="NonPerformingLoanInterestIncome" id="ibcp_NonPerformingLoanInterestIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="FinancingReceivableRecordedInvestmentNonPerformingLoans" id="ibcp_FinancingReceivableRecordedInvestmentNonPerformingLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="CommercialRealEstateLoanMember" id="ibcp_CommercialRealEstateLoanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="CommercialAndIndustrialMember" id="ibcp_CommercialAndIndustrialMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="RecreationalVehicleLendingMember" id="ibcp_RecreationalVehicleLendingMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="Family14NonOwnerOccupiedMember" id="ibcp_Family14NonOwnerOccupiedMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="Family14SecondLienMember" id="ibcp_Family14SecondLienMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="BoatLendingMember" id="ibcp_BoatLendingMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="Family14OwnerOccupiedJumboMember" id="ibcp_Family14OwnerOccupiedJumboMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ResortLendingMember" id="ibcp_ResortLendingMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="Family14OwnerOccupiedNonJumboMember" id="ibcp_Family14OwnerOccupiedNonJumboMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="InstallmentOtherMember" id="ibcp_InstallmentOtherMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FederalReserveBankBorrowingsAbstract" id="ibcp_FederalReserveBankBorrowingsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="AssetsPledgedAsCollateral" id="ibcp_AssetsPledgedAsCollateral" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="FederalReserveBankAdvancesGeneralDebtObligationsAmountOfAvailableUnusedFunds" id="ibcp_FederalReserveBankAdvancesGeneralDebtObligationsAmountOfAvailableUnusedFunds" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="FederalReserveBankAmountOutstandingDuringPeriod" id="ibcp_FederalReserveBankAmountOutstandingDuringPeriod" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="SummaryOfOtherBorrowingsAbstract" id="ibcp_SummaryOfOtherBorrowingsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FederalReserveBankAverageBorrowings" id="ibcp_FederalReserveBankAverageBorrowings" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="Borrowings" id="ibcp_Borrowings" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="FederalHomeLoanBankAdvancesVariableRateMember" id="ibcp_FederalHomeLoanBankAdvancesVariableRateMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FederalHomeLoanBankAdvancesFixedRateMember" id="ibcp_FederalHomeLoanBankAdvancesFixedRateMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FederalHomeLoanBankStockAsPercentagesOfUnpaidPrincipalBalance" id="ibcp_FederalHomeLoanBankStockAsPercentagesOfUnpaidPrincipalBalance" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="FederalHomeLoanBankAdvancesHomeEquityCollateral" id="ibcp_FederalHomeLoanBankAdvancesHomeEquityCollateral" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="FederalHomeLoanBankStockAsPercentagesOfOutstandingAdvances" id="ibcp_FederalHomeLoanBankStockAsPercentagesOfOutstandingAdvances" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="EmployeeCompensationBenefitHealthCareAndLifeInsuranceExpense" id="ibcp_EmployeeCompensationBenefitHealthCareAndLifeInsuranceExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="IncentiveBasedCompensationExpense" id="ibcp_IncentiveBasedCompensationExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="EmployeeStockOwnershipPlanESOPContributionsToESOP" id="ibcp_EmployeeStockOwnershipPlanESOPContributionsToESOP" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="DefinedContributionPlanMaximumAnnualContributionsEmployerPercent" id="ibcp_DefinedContributionPlanMaximumAnnualContributionsEmployerPercent" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="NonEmployeeDirectorsMember" id="ibcp_NonEmployeeDirectorsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="LongTermIncentivePlanMember" id="ibcp_LongTermIncentivePlanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="StockUnitsOrRestrictedSharesIssuedDuringPeriod" id="ibcp_StockUnitsOrRestrictedSharesIssuedDuringPeriod" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="SharesIssuesInPlaceOfRetainerFees" id="ibcp_SharesIssuesInPlaceOfRetainerFees" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="SharesIssuedOnDeferralBasisCreditedPercentageOfCurrentValue" id="ibcp_SharesIssuedOnDeferralBasisCreditedPercentageOfCurrentValue" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="AdditionsDeductionsAbstract" id="ibcp_AdditionsDeductionsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FinancingReceivablePercentageOfLoansToPortfolioLoans" id="ibcp_FinancingReceivablePercentageOfLoansToPortfolioLoans" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="BookValueOfPledgedSecurities" id="ibcp_BookValueOfPledgedSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="StateAndPoliticalSubdivisionShareholdersEquityThreshold" id="ibcp_StateAndPoliticalSubdivisionShareholdersEquityThreshold" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="ScheduleOfOtherMortgageLoansServicesPrincipalBalancesTableTextBlock" id="ibcp_ScheduleOfOtherMortgageLoansServicesPrincipalBalancesTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="TroubledDebtRestructuringsDuringPeriodTableTextBlock" id="ibcp_TroubledDebtRestructuringsDuringPeriodTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="AmortizedCostOfCollateralDependentLoansByClassTableTextBlock" id="ibcp_AmortizedCostOfCollateralDependentLoansByClassTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="AverageRecordedInvestmentInAndInterestIncomeEarnedOnImpairedLoansByClassTableTextBlock" id="ibcp_AverageRecordedInvestmentInAndInterestIncomeEarnedOnImpairedLoansByClassTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="ScheduleOfCapitalizedMortgageLoanServicingRightsTableTextBlock" id="ibcp_ScheduleOfCapitalizedMortgageLoanServicingRightsTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="LoanRatingsCreditScoresByLoanClassAbstract" id="ibcp_LoanRatingsCreditScoresByLoanClassAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="EightHundredsAndAbove" id="ibcp_EightHundredsAndAbove" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="CreditScoreByInvestment" id="ibcp_CreditScoreByInvestment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="CreditScoreUnknown" id="ibcp_CreditScoreUnknown" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="CreditScore600To649" id="ibcp_CreditScore600To649" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="CreditScore650To699" id="ibcp_CreditScore650To699" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="CreditScore500To549" id="ibcp_CreditScore500To549" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="CreditScore700To749" id="ibcp_CreditScore700To749" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="CreditScore750To799" id="ibcp_CreditScore750To799" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="CreditScore550To599" id="ibcp_CreditScore550To599" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="CreditScoreUnder500" id="ibcp_CreditScoreUnder500" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="ForeclosedResidentialRealEstate" id="ibcp_ForeclosedResidentialRealEstate" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="OtherRealEstateAcquiredAdditions" id="ibcp_OtherRealEstateAcquiredAdditions" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="OtherRealEstateAcquiredDisposals" id="ibcp_OtherRealEstateAcquiredDisposals" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="OtherRealEstateAcquiredValuationAdjustments" id="ibcp_OtherRealEstateAcquiredValuationAdjustments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="FinancingReceivableLoansInForbearance" id="ibcp_FinancingReceivableLoansInForbearance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="ConcentrationRiskLoansAndLeaseReceivablePercentage" id="ibcp_ConcentrationRiskLoansAndLeaseReceivablePercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="OfficeMember" id="ibcp_OfficeMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="VISAClassAStockMember" id="ibcp_VISAClassAStockMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="VISAClassBMember" id="ibcp_VISAClassBMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="InvestmentOwnedBalanceSharesValue" id="ibcp_InvestmentOwnedBalanceSharesValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="EquityInvestmentConversionRatio" id="ibcp_EquityInvestmentConversionRatio" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="OffBalanceSheetRisksAbstract" id="ibcp_OffBalanceSheetRisksAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ContractDisclosureOffBalanceSheetRisksAmount" id="ibcp_ContractDisclosureOffBalanceSheetRisksAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="ContractDisclosureOffBalanceSheetRisksLiabilityVariableRate" id="ibcp_ContractDisclosureOffBalanceSheetRisksLiabilityVariableRate" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="TimeDepositsDenominationsAmount" id="ibcp_TimeDepositsDenominationsAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="SummaryOfReciprocalDepositsAbstract" id="ibcp_SummaryOfReciprocalDepositsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ReciprocalTimeDeposits" id="ibcp_ReciprocalTimeDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="ReciprocalMoneyMarketDeposits" id="ibcp_ReciprocalMoneyMarketDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="ReciprocalDemandDeposits" id="ibcp_ReciprocalDemandDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="InterestExpenseDepositLiabilitiesReciprocalDeposit" id="ibcp_InterestExpenseDepositLiabilitiesReciprocalDeposit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="TimeDeposits250000OrMore" id="ibcp_TimeDeposits250000OrMore" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="SummaryOfInterestExpenseOnDepositsTableTextBlock" id="ibcp_SummaryOfInterestExpenseOnDepositsTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="SummaryOfReciprocalDepositsTableTextBlock" id="ibcp_SummaryOfReciprocalDepositsTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="TroubledDebtRestructuringAbstract" id="ibcp_TroubledDebtRestructuringAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="NumberOfConsecutiveTimelyPaymentsRequired" id="ibcp_NumberOfConsecutiveTimelyPaymentsRequired" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="AdditionalAmountsCommittedToLendAsTroubledDebtRestructurings" id="ibcp_AdditionalAmountsCommittedToLendAsTroubledDebtRestructurings" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowance" id="ibcp_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="LoansClassifiedAsTroubledDebtRestructuringsAbstract" id="ibcp_LoansClassifiedAsTroubledDebtRestructuringsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FinancingReceivableModificationsOfMaturityDateExtension" id="ibcp_FinancingReceivableModificationsOfMaturityDateExtension" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="NumberOfConsecutivePaymentsForMortgageLoansMisses" id="ibcp_NumberOfConsecutivePaymentsForMortgageLoansMisses" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="FinancingReceivableModificationsOfMaturityDate" id="ibcp_FinancingReceivableModificationsOfMaturityDate" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="TroubledDebtRestructuring" id="ibcp_TroubledDebtRestructuring" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="FinancingReceivableModificationsOfStatedInterestRatePeriod" id="ibcp_FinancingReceivableModificationsOfStatedInterestRatePeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="AllowanceForDoubtfulAccountsReceivableChargeOffsDueToTDR" id="ibcp_AllowanceForDoubtfulAccountsReceivableChargeOffsDueToTDR" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="PastDuePeriodForModifiedLoans" id="ibcp_PastDuePeriodForModifiedLoans" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="FinancingReceivableModificationsOfStatedInterestRatePeriodExtension" id="ibcp_FinancingReceivableModificationsOfStatedInterestRatePeriodExtension" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="LoanRatingsByLoanClassAbstract" id="ibcp_LoanRatingsByLoanClassAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FinancingReceivableAccruedInterestCurrentFiscalYear" id="ibcp_FinancingReceivableAccruedInterestCurrentFiscalYear" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="LoansAndLeasesReceivableRecordedInvestment" id="ibcp_LoansAndLeasesReceivableRecordedInvestment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="FinancingReceivableAccruedInterestThreeYearsBeforeCurrentFiscalYear" id="ibcp_FinancingReceivableAccruedInterestThreeYearsBeforeCurrentFiscalYear" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="FinancingReceivableAccruedInterestTwoYearsBeforeCurrentFiscalYear" id="ibcp_FinancingReceivableAccruedInterestTwoYearsBeforeCurrentFiscalYear" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="FinancingReceivableAccruedInterestFourYearsBeforeCurrentFiscalYear" id="ibcp_FinancingReceivableAccruedInterestFourYearsBeforeCurrentFiscalYear" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="FinancingReceivableAccruedInterestMoreThanFiveYearsBeforeCurrentFiscalYear" id="ibcp_FinancingReceivableAccruedInterestMoreThanFiveYearsBeforeCurrentFiscalYear" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="Watch78Member" id="ibcp_Watch78Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="NonWatch16Member" id="ibcp_NonWatch16Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="NonAccrual1011Member" id="ibcp_NonAccrual1011Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="SubstandardAccrual9Member" id="ibcp_SubstandardAccrual9Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FinancingReceivableAccruedInterestRevolving" id="ibcp_FinancingReceivableAccruedInterestRevolving" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="FinancingReceivableAccruedInterestFiscalYearBeforeCurrentFiscalYear" id="ibcp_FinancingReceivableAccruedInterestFiscalYearBeforeCurrentFiscalYear" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="CreditScoresByLoanClassAbstract" id="ibcp_CreditScoresByLoanClassAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FICOScore600To649Member" id="ibcp_FICOScore600To649Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FICOScore500To549Member" id="ibcp_FICOScore500To549Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FICOScoreGreaterThan800Member" id="ibcp_FICOScoreGreaterThan800Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FICOScore650To699Member" id="ibcp_FICOScore650To699Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FICOScoreUnknownMember" id="ibcp_FICOScoreUnknownMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FICOScore550To599Member" id="ibcp_FICOScore550To599Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FICOScore700To749Member" id="ibcp_FICOScore700To749Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FICOScoreUnder500Member" id="ibcp_FICOScoreUnder500Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FICOScore750To799Member" id="ibcp_FICOScore750To799Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="LoanRevenueRecognitionAbstract" id="ibcp_LoanRevenueRecognitionAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="NumberOfPastDueDaysForCommercialLoanInstallmentLoansAndPaymentPlanReceivables" id="ibcp_NumberOfPastDueDaysForCommercialLoanInstallmentLoansAndPaymentPlanReceivables" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="AccruedInterestImpairedLoans" id="ibcp_AccruedInterestImpairedLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
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  <xs:element name="AmountOfAllowanceForLoanLossesAllocatedAbstract" id="ibcp_AmountOfAllowanceForLoanLossesAllocatedAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="NonTroubledDebtRestructuringAllowancesBasedOnCollateral" id="ibcp_NonTroubledDebtRestructuringAllowancesBasedOnCollateral" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="NonTroubledDebtRestructuringImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance" id="ibcp_NonTroubledDebtRestructuringImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="TroubledDebtRestructuringAllowanceBasedOnCollateral" id="ibcp_TroubledDebtRestructuringAllowanceBasedOnCollateral" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="TroubledDebtRestructuringAllowanceBasedOnPresentValueCashFlow" id="ibcp_TroubledDebtRestructuringAllowanceBasedOnPresentValueCashFlow" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="ImpairedLoansWithAnAllocatedAllowanceForLoanLossesAbstract" id="ibcp_ImpairedLoansWithAnAllocatedAllowanceForLoanLossesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ImpairedFinancingReceivables" id="ibcp_ImpairedFinancingReceivables" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="TroubledDebtRestructuringAllowancesBasedOnPresentValueCashFlow" id="ibcp_TroubledDebtRestructuringAllowancesBasedOnPresentValueCashFlow" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="NonTroubledDebtRestructuringAllowanceBasedOnCollateral" id="ibcp_NonTroubledDebtRestructuringAllowanceBasedOnCollateral" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="TroubledDebtRestructuringAllowancesBasedOnCollateral" id="ibcp_TroubledDebtRestructuringAllowancesBasedOnCollateral" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="AverageRecordedInvestmentInAndInterestIncomeEarnedOnImpairedLoansByClassAbstract" id="ibcp_AverageRecordedInvestmentInAndInterestIncomeEarnedOnImpairedLoansByClassAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ImpairedFinancingReceivableRelatedAllowanceWithNoRelatedAllowance" id="ibcp_ImpairedFinancingReceivableRelatedAllowanceWithNoRelatedAllowance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="AllowanceForLoanLossesAllocated" id="ibcp_AllowanceForLoanLossesAllocated" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="TroubledDebtRestructuringAmount" id="ibcp_TroubledDebtRestructuringAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="PercentageOfLoanPortfolioSecuredByRealEstate" id="ibcp_PercentageOfLoanPortfolioSecuredByRealEstate" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
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  <xs:element name="DebtInstrumentCallOptionPeriod" id="ibcp_DebtInstrumentCallOptionPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="DebtInstrumentInterestRateStatedPercentagePeriod" id="ibcp_DebtInstrumentInterestRateStatedPercentagePeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="ScheduleOfSubordinatedDebenturesAndTrustPreferredSecuritiesTableTextBlock" id="ibcp_ScheduleOfSubordinatedDebenturesAndTrustPreferredSecuritiesTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="TrustPreferredSecurities" id="ibcp_TrustPreferredSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="SummaryOfInformationRegardingSubordinatedDebenturesAbstract" id="ibcp_SummaryOfInformationRegardingSubordinatedDebenturesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="CommonStockIssuedByTrust" id="ibcp_CommonStockIssuedByTrust" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="DistributionDeferralPeriodSubordinatedDebentures" id="ibcp_DistributionDeferralPeriodSubordinatedDebentures" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="SummaryOfSubordinatedDebenturesAndTrustPreferredSecuritiesAbstract" id="ibcp_SummaryOfSubordinatedDebenturesAndTrustPreferredSecuritiesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="DebtInstrumentRedemptionDate" id="ibcp_DebtInstrumentRedemptionDate" type="xbrli:dateItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="DebtInstrumentTermOfVariableRatePercentage" id="ibcp_DebtInstrumentTermOfVariableRatePercentage" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="SubsidiariesTrustThreeMember" id="ibcp_SubsidiariesTrustThreeMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="SubsidiariesTrustFiveMember" id="ibcp_SubsidiariesTrustFiveMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="SubsidiariesTrustFourMember" id="ibcp_SubsidiariesTrustFourMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="SubsidiariesTrustTwoMember" id="ibcp_SubsidiariesTrustTwoMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="AgingAnalysisOfLoansByClassAbstract" id="ibcp_AgingAnalysisOfLoansByClassAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="AgriculturePortfolioSegmentMember" id="ibcp_AgriculturePortfolioSegmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="RealEstatePortfolioSegmentMember" id="ibcp_RealEstatePortfolioSegmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FreddieMacMember" id="ibcp_FreddieMacMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="CommercialLoanPortfolioSegmentExcludingRealEstatePortfolioSegmentMember" id="ibcp_CommercialLoanPortfolioSegmentExcludingRealEstatePortfolioSegmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FixedRateResidentialMortgageAndAdjustableRateResidentialMortgageMember" id="ibcp_FixedRateResidentialMortgageAndAdjustableRateResidentialMortgageMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="OtherRealEstateMember" id="ibcp_OtherRealEstateMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ConstructionAndLandImprovementsMember" id="ibcp_ConstructionAndLandImprovementsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ResidentialHomeEquityAndOtherJuniorMortgagesMember" id="ibcp_ResidentialHomeEquityAndOtherJuniorMortgagesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="DeferredTaxLiabilityLeaseRightOfUseAsset" id="ibcp_DeferredTaxLiabilityLeaseRightOfUseAsset" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="DeferredTaxLiabilitiesDeferredExpenseDeferredLoanOriginationFeesCosts" id="ibcp_DeferredTaxLiabilitiesDeferredExpenseDeferredLoanOriginationFeesCosts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="DeferredTaxLiabilitiesUnrealizedGainsOnSecuritiesAvailableForSale" id="ibcp_DeferredTaxLiabilitiesUnrealizedGainsOnSecuritiesAvailableForSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="DeferredTaxLiabilitiesPurchasePremiumsNet" id="ibcp_DeferredTaxLiabilitiesPurchasePremiumsNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="IncomeTaxReconciliationUnrecognizedTaxBenefits" id="ibcp_IncomeTaxReconciliationUnrecognizedTaxBenefits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="EffectiveIncomeTaxRateReconciliationBankOwnedLifeInsuranceIncomeTaxEffectAmount" id="ibcp_EffectiveIncomeTaxRateReconciliationBankOwnedLifeInsuranceIncomeTaxEffectAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="EffectiveIncomeTaxRateReconciliationShareBasedCompensationCostExcessBenefitDeficitAmount" id="ibcp_EffectiveIncomeTaxRateReconciliationShareBasedCompensationCostExcessBenefitDeficitAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="DeferredTaxAssetsReserveForUnfundedLendingCommitments" id="ibcp_DeferredTaxAssetsReserveForUnfundedLendingCommitments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="DeferredTaxAssetsOtherThanTemporaryImpairmentChargeOnSecuritiesAvailableForSale" id="ibcp_DeferredTaxAssetsOtherThanTemporaryImpairmentChargeOnSecuritiesAvailableForSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="DeferredTaxAssetsNonAccrualLoanInterestIncome" id="ibcp_DeferredTaxAssetsNonAccrualLoanInterestIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="DeferredTaxAssetsLossReimbursementOnSoldLoansReserve" id="ibcp_DeferredTaxAssetsLossReimbursementOnSoldLoansReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="DeferredTaxAssetsLeaseLiabilities" id="ibcp_DeferredTaxAssetsLeaseLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="DeferredTaxLiabilitiesCapitalizedMortgageLoanServicingRights" id="ibcp_DeferredTaxLiabilitiesCapitalizedMortgageLoanServicingRights" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="CollateralDependentLoansByClassAbstract" id="ibcp_CollateralDependentLoansByClassAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="CollateralDependentLoanMember" id="ibcp_CollateralDependentLoanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="OtherCollateralLoanMember" id="ibcp_OtherCollateralLoanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="COVID19Member" id="ibcp_COVID19Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="EconomicAidActTwoMember" id="ibcp_EconomicAidActTwoMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="SmallBusinessAdministrationSBACARESActPaycheckProtectionProgramRoundOneMember" id="ibcp_SmallBusinessAdministrationSBACARESActPaycheckProtectionProgramRoundOneMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="MortgageLoansServicedForOthersMember" id="ibcp_MortgageLoansServicedForOthersMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="COVID19SubsequentAccommodationMember" id="ibcp_COVID19SubsequentAccommodationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="SmallBusinessAdministrationSBACARESActPaycheckProtectionProgramSecondDrawLoansMember" id="ibcp_SmallBusinessAdministrationSBACARESActPaycheckProtectionProgramSecondDrawLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="NonTDRLoanModificationsAndPaycheckProtectionProgramPPPDueToCOVID19Abstract" id="ibcp_NonTDRLoanModificationsAndPaycheckProtectionProgramPPPDueToCOVID19Abstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FinancingReceivableModificationsOtherThanTroubledDebtRestructuringsNumberOfContracts" id="ibcp_FinancingReceivableModificationsOtherThanTroubledDebtRestructuringsNumberOfContracts" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringsLoansOutstanding" id="ibcp_FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringsLoansOutstanding" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringPercentageOfLoansModified" id="ibcp_FinancingReceivableModificationsByOtherThanTroubledDebtRestructuringPercentageOfLoansModified" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="LoanModificationTermOfInterestOnlyPeriod" id="ibcp_LoanModificationTermOfInterestOnlyPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="RemainingUnaccretedNetFees" id="ibcp_RemainingUnaccretedNetFees" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="FinancingReceivableNumberOfLoansOutstanding" id="ibcp_FinancingReceivableNumberOfLoansOutstanding" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="LoanModificationTermOfSuspendedPayments" id="ibcp_LoanModificationTermOfSuspendedPayments" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="SmallBusinessAdministrationSBACARESActPaycheckProtectionProgramMember" id="ibcp_SmallBusinessAdministrationSBACARESActPaycheckProtectionProgramMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FinancingReceivableAmountOfLoansFunded" id="ibcp_FinancingReceivableAmountOfLoansFunded" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="COVID19AccommodationsAbstract" id="ibcp_COVID19AccommodationsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ScheduleOfLoansAndFinancingReceivablesServicedForOthersTable" id="ibcp_ScheduleOfLoansAndFinancingReceivablesServicedForOthersTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ScheduleOfLoansAndFinancingReceivablesServicedForOthersLineItems" id="ibcp_ScheduleOfLoansAndFinancingReceivablesServicedForOthersLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="MortgageLoansServicedForOthersAbstract" id="ibcp_MortgageLoansServicedForOthersAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="HighestLevelOfCapitalAmount" id="ibcp_HighestLevelOfCapitalAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="MaximumPercentageOfDeclineInNetWorthForOneConsecutiveQuarter" id="ibcp_MaximumPercentageOfDeclineInNetWorthForOneConsecutiveQuarter" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="PrincipalAmountOutstandingOnLoansServicedForOthers" id="ibcp_PrincipalAmountOutstandingOnLoansServicedForOthers" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="MaximumNumberOfConsecutiveQuarterlyLossesRecordedForProfitabilityRequirement" id="ibcp_MaximumNumberOfConsecutiveQuarterlyLossesRecordedForProfitabilityRequirement" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="PercentageOfDeclineInNetWorthDuringPeriod" id="ibcp_PercentageOfDeclineInNetWorthDuringPeriod" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueAverageCouponRate" id="ibcp_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueAverageCouponRate" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="OtherMortgageLoansServicedMember" id="ibcp_OtherMortgageLoansServicedMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FederalHomeLoanBankFHLBMember" id="ibcp_FederalHomeLoanBankFHLBMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="GinnieMaeMember" id="ibcp_GinnieMaeMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FannieMaeMember" id="ibcp_FannieMaeMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="AnalysisOfCapitalizedMortgageLoanServicingRightsAbstract" id="ibcp_AnalysisOfCapitalizedMortgageLoanServicingRightsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ServicingAssetAtFairValueChangesInPayDowns" id="ibcp_ServicingAssetAtFairValueChangesInPayDowns" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="ServicingAssetAtFairValueChangesInFairValueDueToPrice" id="ibcp_ServicingAssetAtFairValueChangesInFairValueDueToPrice" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="HighestLevelOfCapitalAmountPlus" id="ibcp_HighestLevelOfCapitalAmountPlus" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="MaximumPercentageOfDeclineInNetWorthForTwoConsecutiveQuarters" id="ibcp_MaximumPercentageOfDeclineInNetWorthForTwoConsecutiveQuarters" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueAverageServicingFeeRate" id="ibcp_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueAverageServicingFeeRate" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRateAveragePsaRate" id="ibcp_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRateAveragePsaRate" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="MortgageLoansOnRealEstateServiced" id="ibcp_MortgageLoansOnRealEstateServiced" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="OtherRealEstateRollAcquiredForwardTextBlock" id="ibcp_OtherRealEstateRollAcquiredForwardTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="OtherRealEstateValuationAllowanceRollForwardTableTextBlock" id="ibcp_OtherRealEstateValuationAllowanceRollForwardTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="AllowanceForLoanLossesAbstract" id="ibcp_AllowanceForLoanLossesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FinancingReceivableAllowanceForCreditLossesCertainLoansAcquiredInTransferNotAccountedForAsDebtSecurities" id="ibcp_FinancingReceivableAllowanceForCreditLossesCertainLoansAcquiredInTransferNotAccountedForAsDebtSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="StockRepurchaseProgramAbstract" id="ibcp_StockRepurchaseProgramAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="StockRepurchaseProgramPercentageOfSharesAuthorizedToBeRepurchased" id="ibcp_StockRepurchaseProgramPercentageOfSharesAuthorizedToBeRepurchased" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="ImpairedLoansCommercialMember" id="ibcp_ImpairedLoansCommercialMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ImpairedLoansInstallmentMember" id="ibcp_ImpairedLoansInstallmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="CollateralDependentLoansMortgageAndInstallmentMember" id="ibcp_CollateralDependentLoansMortgageAndInstallmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="OtherRealEstateMortgageMember" id="ibcp_OtherRealEstateMortgageMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ImpairedLoansMortgageAndInstallmentMember" id="ibcp_ImpairedLoansMortgageAndInstallmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="UnobservableInputsWeightedAverageAbstract" id="ibcp_UnobservableInputsWeightedAverageAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ImpairedLoansFairValue" id="ibcp_ImpairedLoansFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="CollateralDependentLoansFairValue" id="ibcp_CollateralDependentLoansFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="RealEstateOther" id="ibcp_RealEstateOther" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="ImpairedLoansMeasurementInput" id="ibcp_ImpairedLoansMeasurementInput" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="CapitalizedMortgageLoanServicingRightsMember" id="ibcp_CapitalizedMortgageLoanServicingRightsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="CollateralDependentLoansMember" id="ibcp_CollateralDependentLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="SalesComparisonApproachMember" id="ibcp_SalesComparisonApproachMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="PresentValueOfNetServicingRevenueMember" id="ibcp_PresentValueOfNetServicingRevenueMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="MeasurementInputCostToServiceApproachMember" id="ibcp_MeasurementInputCostToServiceApproachMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="MeasurementInputFloatRateMember" id="ibcp_MeasurementInputFloatRateMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="MeasurementInputAncillaryIncomeMember" id="ibcp_MeasurementInputAncillaryIncomeMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="OtherRealEstateMeasurementInput" id="ibcp_OtherRealEstateMeasurementInput" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="WeightedAverageNumberOfPerformanceSharesStock" id="ibcp_WeightedAverageNumberOfPerformanceSharesStock" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="EarningsPerShareAntidilutiveDisclosuresAbstract" id="ibcp_EarningsPerShareAntidilutiveDisclosuresAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="StockUnitsForDeferredCompensationPlanForNonEmployeeDirectors" id="ibcp_StockUnitsForDeferredCompensationPlanForNonEmployeeDirectors" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="AggregateIntrinsicValueAbstract" id="ibcp_AggregateIntrinsicValueAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="IncomeLossFromContinuingOperationsBeforeEquityInUndistributedNetLossOfSubsidiaries" id="ibcp_IncomeLossFromContinuingOperationsBeforeEquityInUndistributedNetLossOfSubsidiaries" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="InterestBearingDepositsTime" id="ibcp_InterestBearingDepositsTime" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="DividendsFromSubsidiary" id="ibcp_DividendsFromSubsidiary" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="PaymentsForInInterestBearingDepositsInBanksTime" id="ibcp_PaymentsForInInterestBearingDepositsInBanksTime" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="ImpairedLoansMember" id="ibcp_ImpairedLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ImpairedLoansAbstract" id="ibcp_ImpairedLoansAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="CapitalizedMortgageLoanServicingRightsFairValueDisclosure" id="ibcp_CapitalizedMortgageLoanServicingRightsFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="NumberOfRealEstateAssetsSold" id="ibcp_NumberOfRealEstateAssetsSold" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="PercentageOfRevenueExcludedFromASU201409" id="ibcp_PercentageOfRevenueExcludedFromASU201409" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="NoninterestIncomeOtherOperatingIncomeOther" id="ibcp_NoninterestIncomeOtherOperatingIncomeOther" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="OtherDepositRelatedIncomeMember" id="ibcp_OtherDepositRelatedIncomeMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="OtherMember" id="ibcp_OtherMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="InvestmentAndInsuranceCommissionsMember" id="ibcp_InvestmentAndInsuranceCommissionsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="TransactionBasedRevenueMember" id="ibcp_TransactionBasedRevenueMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ServiceChargesOnDepositsMember" id="ibcp_ServiceChargesOnDepositsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="OverdraftFeesMember" id="ibcp_OverdraftFeesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ATMFeesMember" id="ibcp_ATMFeesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="InterchangeIncomeMember" id="ibcp_InterchangeIncomeMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="AccountServiceChargesMember" id="ibcp_AccountServiceChargesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="AssetManagementRevenueMember" id="ibcp_AssetManagementRevenueMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="CustomerRetailMember" id="ibcp_CustomerRetailMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="CustomerBusinessMember" id="ibcp_CustomerBusinessMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FairValueAssetsMeasuredOnRecurringBasisGainLossRealizedAndUnrealizedAbstract" id="ibcp_FairValueAssetsMeasuredOnRecurringBasisGainLossRealizedAndUnrealizedAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="DifferenceInAggregateFairValueAndAggregateRemainingContractualPrincipalBalanceForLoansHeldForSaleTableTextBlock" id="ibcp_DifferenceInAggregateFairValueAndAggregateRemainingContractualPrincipalBalanceForLoansHeldForSaleTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="Family14Member" id="ibcp_Family14Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="CollateralDependentLoansValuationAllowance" id="ibcp_CollateralDependentLoansValuationAllowance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="CollateralDependentLoansCarryingAmount" id="ibcp_CollateralDependentLoansCarryingAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="LoansHeldForSaleUnrealizedGainLoss" id="ibcp_LoansHeldForSaleUnrealizedGainLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="OtherRealEstateImpairedNetReserves" id="ibcp_OtherRealEstateImpairedNetReserves" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="ServicingAssetUnrealizedGainLoss" id="ibcp_ServicingAssetUnrealizedGainLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="ReclassificationAdjustmentAccumulatedOtherComprehensiveIncomeAbstract" id="ibcp_ReclassificationAdjustmentAccumulatedOtherComprehensiveIncomeAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="AccumulatedOtherComprehensiveIncomeLossDisproportionateTaxEffectsFromSecuritiesAvailableForSaleMember" id="ibcp_AccumulatedOtherComprehensiveIncomeLossDisproportionateTaxEffectsFromSecuritiesAvailableForSaleMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="AccumulatedOtherComprehensiveIncomeLossDisproportionateTaxEffectsFromCashFlowHedgesMember" id="ibcp_AccumulatedOtherComprehensiveIncomeLossDisproportionateTaxEffectsFromCashFlowHedgesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
</xs:schema>
