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  <link:calculationLink xlink:type="extended" xlink:role="http://independentbank.com/role/LoansLoanRatingsByLoanClassCommercialDetails">
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  <link:calculationLink xlink:type="extended" xlink:role="http://independentbank.com/role/LoansLoanRatingsByLoanClassMortgageAndInstallmentSegmentsDetails">
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    <link:loc xlink:type="locator" xlink:href="ibcp-20211231.xsd#ibcp_CreditScore750To799" xlink:label="CreditScore750To799" xlink:title="CreditScore750To799" />
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    <link:loc xlink:type="locator" xlink:href="ibcp-20211231.xsd#ibcp_CreditScore650To699" xlink:label="CreditScore650To699" xlink:title="CreditScore650To699" />
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  <link:calculationLink xlink:type="extended" xlink:role="http://independentbank.com/role/GoodwillAndOtherIntangiblesDetails">
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