<?xml version="1.0" encoding="us-ascii"?>
<!--Generated by EDGARfilings PROfile 8.0.0.0 Broadridge-->
<link:linkbase xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xbrli="http://www.xbrl.org/2003/instance">
  <link:roleRef roleURI="http://independentbank.com/role/LeasesDetailsCalc2" xlink:type="simple" xlink:href="ibcp-20220331.xsd#LeasesDetailsCalc2" />
  <link:roleRef roleURI="http://independentbank.com/role/LeasesDetails" xlink:type="simple" xlink:href="ibcp-20220331.xsd#LeasesDetails" />
  <link:roleRef roleURI="http://independentbank.com/role/AccumulatedOtherComprehensiveIncomeLossAocilSummaryOfChangesDetails" xlink:type="simple" xlink:href="ibcp-20220331.xsd#AccumulatedOtherComprehensiveIncomeLossAocilSummaryOfChangesDetails" />
  <link:roleRef roleURI="http://independentbank.com/role/FairValueDisclosuresDifferenceBetweenAggregateFairValueAndAggregateRemainingContractualPrincipalDetails" xlink:type="simple" xlink:href="ibcp-20220331.xsd#FairValueDisclosuresDifferenceBetweenAggregateFairValueAndAggregateRemainingContractualPrincipalDetails" />
  <link:roleRef roleURI="http://independentbank.com/role/RegulatoryMattersDetails" xlink:type="simple" xlink:href="ibcp-20220331.xsd#RegulatoryMattersDetails" />
  <link:roleRef roleURI="http://independentbank.com/role/GoodwillAndOtherIntangiblesDetails" xlink:type="simple" xlink:href="ibcp-20220331.xsd#GoodwillAndOtherIntangiblesDetails" />
  <link:roleRef roleURI="http://independentbank.com/role/ShareholdersEquityAndEarningsPerCommonShareEarningsPerShareReconciliationDetails" xlink:type="simple" xlink:href="ibcp-20220331.xsd#ShareholdersEquityAndEarningsPerCommonShareEarningsPerShareReconciliationDetails" />
  <link:roleRef roleURI="http://independentbank.com/role/LoansLoanRatingsByLoanClassCommercialDetails" xlink:type="simple" xlink:href="ibcp-20220331.xsd#LoansLoanRatingsByLoanClassCommercialDetails" />
  <link:roleRef roleURI="http://independentbank.com/role/LoansReceivablesPastDueDetails" xlink:type="simple" xlink:href="ibcp-20220331.xsd#LoansReceivablesPastDueDetails" />
  <link:roleRef roleURI="http://independentbank.com/role/SecuritiesAmortizedCostAndFairValueSecuritiesAvailableForSaleContractualMaturitiesDetails" xlink:type="simple" xlink:href="ibcp-20220331.xsd#SecuritiesAmortizedCostAndFairValueSecuritiesAvailableForSaleContractualMaturitiesDetails" />
  <link:roleRef roleURI="http://independentbank.com/role/SecuritiesAvailableForSaleGrossUnrealizedLossesAndFairValuesDetails" xlink:type="simple" xlink:href="ibcp-20220331.xsd#SecuritiesAvailableForSaleGrossUnrealizedLossesAndFairValuesDetails" />
  <link:roleRef roleURI="http://independentbank.com/role/CondensedConsolidatedStatementsOfCashFlows" xlink:type="simple" xlink:href="ibcp-20220331.xsd#CondensedConsolidatedStatementsOfCashFlows" />
  <link:roleRef roleURI="http://independentbank.com/role/CondensedConsolidatedStatementsOfComprehensiveIncome" xlink:type="simple" xlink:href="ibcp-20220331.xsd#CondensedConsolidatedStatementsOfComprehensiveIncome" />
  <link:roleRef roleURI="http://independentbank.com/role/CondensedConsolidatedStatementsOfOperations" xlink:type="simple" xlink:href="ibcp-20220331.xsd#CondensedConsolidatedStatementsOfOperations" />
  <link:roleRef roleURI="http://independentbank.com/role/CondensedConsolidatedStatementsOfFinancialCondition" xlink:type="simple" xlink:href="ibcp-20220331.xsd#CondensedConsolidatedStatementsOfFinancialCondition" />
  <link:calculationLink xlink:type="extended" xlink:role="http://independentbank.com/role/CondensedConsolidatedStatementsOfFinancialCondition">
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_Assets" xlink:label="Assets" xlink:title="Assets" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:label="CashAndCashEquivalentsAtCarryingValue" xlink:title="CashAndCashEquivalentsAtCarryingValue" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestBearingDepositsInBanks" xlink:label="InterestBearingDepositsInBanks" xlink:title="InterestBearingDepositsInBanks" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="CashAndCashEquivalentsAtCarryingValue" xlink:to="InterestBearingDepositsInBanks" xlink:title="calculation: CashAndCashEquivalentsAtCarryingValue to InterestBearingDepositsInBanks" order="1.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CashAndDueFromBanks" xlink:label="CashAndDueFromBanks" xlink:title="CashAndDueFromBanks" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="CashAndCashEquivalentsAtCarryingValue" xlink:to="CashAndDueFromBanks" xlink:title="calculation: CashAndCashEquivalentsAtCarryingValue to CashAndDueFromBanks" order="2.0" weight="1.0" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Assets" xlink:to="CashAndCashEquivalentsAtCarryingValue" xlink:title="calculation: Assets to CashAndCashEquivalentsAtCarryingValue" order="0.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="ibcp-20220331.xsd#ibcp_LoansHeldForSaleCarriedAtLowerOfCostOrFairValue" xlink:label="LoansHeldForSaleCarriedAtLowerOfCostOrFairValue" xlink:title="LoansHeldForSaleCarriedAtLowerOfCostOrFairValue" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Assets" xlink:to="LoansHeldForSaleCarriedAtLowerOfCostOrFairValue" xlink:title="calculation: Assets to LoansHeldForSaleCarriedAtLowerOfCostOrFairValue" order="4.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities" xlink:label="AvailableForSaleSecuritiesDebtSecurities" xlink:title="AvailableForSaleSecuritiesDebtSecurities" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Assets" xlink:to="AvailableForSaleSecuritiesDebtSecurities" xlink:title="calculation: Assets to AvailableForSaleSecuritiesDebtSecurities" order="1.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock" xlink:label="FederalHomeLoanBankStockAndFederalReserveBankStock" xlink:title="FederalHomeLoanBankStockAndFederalReserveBankStock" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Assets" xlink:to="FederalHomeLoanBankStockAndFederalReserveBankStock" xlink:title="calculation: Assets to FederalHomeLoanBankStockAndFederalReserveBankStock" order="2.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LoansHeldForSaleFairValueDisclosure" xlink:label="LoansHeldForSaleFairValueDisclosure" xlink:title="LoansHeldForSaleFairValueDisclosure" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Assets" xlink:to="LoansHeldForSaleFairValueDisclosure" xlink:title="calculation: Assets to LoansHeldForSaleFairValueDisclosure" order="3.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NotesReceivableNet" xlink:label="NotesReceivableNet" xlink:title="NotesReceivableNet" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLosses" xlink:label="FinancingReceivableAllowanceForCreditLosses" xlink:title="FinancingReceivableAllowanceForCreditLosses" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NotesReceivableNet" xlink:to="FinancingReceivableAllowanceForCreditLosses" xlink:title="calculation: NotesReceivableNet to FinancingReceivableAllowanceForCreditLosses" order="1.0" weight="-1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NotesReceivableGross" xlink:label="NotesReceivableGross" xlink:title="NotesReceivableGross" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NotesReceivableNet" xlink:to="NotesReceivableGross" xlink:title="calculation: NotesReceivableNet to NotesReceivableGross" order="0.0" weight="1.0" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Assets" xlink:to="NotesReceivableNet" xlink:title="calculation: Assets to NotesReceivableNet" order="5.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ForeclosedAssets" xlink:label="ForeclosedAssets" xlink:title="ForeclosedAssets" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Assets" xlink:to="ForeclosedAssets" xlink:title="calculation: Assets to ForeclosedAssets" order="6.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwill" xlink:label="IntangibleAssetsNetExcludingGoodwill" xlink:title="IntangibleAssetsNetExcludingGoodwill" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Assets" xlink:to="IntangibleAssetsNetExcludingGoodwill" xlink:title="calculation: Assets to IntangibleAssetsNetExcludingGoodwill" order="10.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ServicingAssetAtFairValueAmount" xlink:label="ServicingAssetAtFairValueAmount" xlink:title="ServicingAssetAtFairValueAmount" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Assets" xlink:to="ServicingAssetAtFairValueAmount" xlink:title="calculation: Assets to ServicingAssetAtFairValueAmount" order="9.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_BankOwnedLifeInsurance" xlink:label="BankOwnedLifeInsurance" xlink:title="BankOwnedLifeInsurance" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Assets" xlink:to="BankOwnedLifeInsurance" xlink:title="calculation: Assets to BankOwnedLifeInsurance" order="8.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherAssets" xlink:label="OtherAssets" xlink:title="OtherAssets" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Assets" xlink:to="OtherAssets" xlink:title="calculation: Assets to OtherAssets" order="12.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet" xlink:label="PropertyPlantAndEquipmentNet" xlink:title="PropertyPlantAndEquipmentNet" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Assets" xlink:to="PropertyPlantAndEquipmentNet" xlink:title="calculation: Assets to PropertyPlantAndEquipmentNet" order="7.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_Goodwill" xlink:label="Goodwill" xlink:title="Goodwill" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Assets" xlink:to="Goodwill" xlink:title="calculation: Assets to Goodwill" order="11.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquity" xlink:label="LiabilitiesAndStockholdersEquity" xlink:title="LiabilitiesAndStockholdersEquity" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockholdersEquity" xlink:label="StockholdersEquity" xlink:title="StockholdersEquity" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:label="AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:title="AccumulatedOtherComprehensiveIncomeLossNetOfTax" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="StockholdersEquity" xlink:to="AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:title="calculation: StockholdersEquity to AccumulatedOtherComprehensiveIncomeLossNetOfTax" order="3.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PreferredStockValue" xlink:label="PreferredStockValue" xlink:title="PreferredStockValue" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="StockholdersEquity" xlink:to="PreferredStockValue" xlink:title="calculation: StockholdersEquity to PreferredStockValue" order="0.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommonStockValue" xlink:label="CommonStockValue" xlink:title="CommonStockValue" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="StockholdersEquity" xlink:to="CommonStockValue" xlink:title="calculation: StockholdersEquity to CommonStockValue" order="1.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RetainedEarningsAccumulatedDeficit" xlink:label="RetainedEarningsAccumulatedDeficit" xlink:title="RetainedEarningsAccumulatedDeficit" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="StockholdersEquity" xlink:to="RetainedEarningsAccumulatedDeficit" xlink:title="calculation: StockholdersEquity to RetainedEarningsAccumulatedDeficit" order="2.0" weight="1.0" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="LiabilitiesAndStockholdersEquity" xlink:to="StockholdersEquity" xlink:title="calculation: LiabilitiesAndStockholdersEquity to StockholdersEquity" order="1.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_Liabilities" xlink:label="Liabilities" xlink:title="Liabilities" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherLiabilities" xlink:label="OtherLiabilities" xlink:title="OtherLiabilities" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Liabilities" xlink:to="OtherLiabilities" xlink:title="calculation: Liabilities to OtherLiabilities" order="3.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_Deposits" xlink:label="Deposits" xlink:title="Deposits" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NoninterestBearingDepositLiabilities" xlink:label="NoninterestBearingDepositLiabilities" xlink:title="NoninterestBearingDepositLiabilities" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Deposits" xlink:to="NoninterestBearingDepositLiabilities" xlink:title="calculation: Deposits to NoninterestBearingDepositLiabilities" order="2.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="ibcp-20220331.xsd#ibcp_ReciprocalDeposits" xlink:label="ReciprocalDeposits" xlink:title="ReciprocalDeposits" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Deposits" xlink:to="ReciprocalDeposits" xlink:title="calculation: Deposits to ReciprocalDeposits" order="4.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DepositsSavingsDeposits" xlink:label="DepositsSavingsDeposits" xlink:title="DepositsSavingsDeposits" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Deposits" xlink:to="DepositsSavingsDeposits" xlink:title="calculation: Deposits to DepositsSavingsDeposits" order="3.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestBearingDomesticDepositTimeDeposits" xlink:label="InterestBearingDomesticDepositTimeDeposits" xlink:title="InterestBearingDomesticDepositTimeDeposits" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Deposits" xlink:to="InterestBearingDomesticDepositTimeDeposits" xlink:title="calculation: Deposits to InterestBearingDomesticDepositTimeDeposits" order="5.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestBearingDomesticDepositBrokered" xlink:label="InterestBearingDomesticDepositBrokered" xlink:title="InterestBearingDomesticDepositBrokered" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Deposits" xlink:to="InterestBearingDomesticDepositBrokered" xlink:title="calculation: Deposits to InterestBearingDomesticDepositBrokered" order="6.0" weight="1.0" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Liabilities" xlink:to="Deposits" xlink:title="calculation: Liabilities to Deposits" order="0.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherBorrowings" xlink:label="OtherBorrowings" xlink:title="OtherBorrowings" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Liabilities" xlink:to="OtherBorrowings" xlink:title="calculation: Liabilities to OtherBorrowings" order="1.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust" xlink:label="JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust" xlink:title="JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Liabilities" xlink:to="JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust" xlink:title="calculation: Liabilities to JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust" order="2.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SubordinatedDebt" xlink:label="SubordinatedDebt" xlink:title="SubordinatedDebt" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Liabilities" xlink:to="SubordinatedDebt" xlink:title="calculation: Liabilities to SubordinatedDebt" order="4.0" weight="1.0" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="LiabilitiesAndStockholdersEquity" xlink:to="Liabilities" xlink:title="calculation: LiabilitiesAndStockholdersEquity to Liabilities" order="2.0" weight="1.0" />
  </link:calculationLink>
  <link:calculationLink xlink:type="extended" xlink:role="http://independentbank.com/role/CondensedConsolidatedStatementsOfOperations">
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="NetIncomeLoss" xlink:title="NetIncomeLoss" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:label="IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:title="IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:label="InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:title="InterestIncomeExpenseAfterProvisionForLoanLoss" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestIncomeExpenseNet" xlink:label="InterestIncomeExpenseNet" xlink:title="InterestIncomeExpenseNet" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestExpense" xlink:label="InterestExpense" xlink:title="InterestExpense" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestExpenseBorrowings" xlink:label="InterestExpenseBorrowings" xlink:title="InterestExpenseBorrowings" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="InterestExpense" xlink:to="InterestExpenseBorrowings" xlink:title="calculation: InterestExpense to InterestExpenseBorrowings" order="2.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestExpenseDeposits" xlink:label="InterestExpenseDeposits" xlink:title="InterestExpenseDeposits" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="InterestExpense" xlink:to="InterestExpenseDeposits" xlink:title="calculation: InterestExpense to InterestExpenseDeposits" order="1.0" weight="1.0" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="InterestIncomeExpenseNet" xlink:to="InterestExpense" xlink:title="calculation: InterestIncomeExpenseNet to InterestExpense" order="1.0" weight="-1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestAndDividendIncomeOperating" xlink:label="InterestAndDividendIncomeOperating" xlink:title="InterestAndDividendIncomeOperating" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherInterestAndDividendIncome" xlink:label="OtherInterestAndDividendIncome" xlink:title="OtherInterestAndDividendIncome" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="InterestAndDividendIncomeOperating" xlink:to="OtherInterestAndDividendIncome" xlink:title="calculation: InterestAndDividendIncomeOperating to OtherInterestAndDividendIncome" order="4.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestIncomeSecuritiesTaxExempt" xlink:label="InterestIncomeSecuritiesTaxExempt" xlink:title="InterestIncomeSecuritiesTaxExempt" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="InterestAndDividendIncomeOperating" xlink:to="InterestIncomeSecuritiesTaxExempt" xlink:title="calculation: InterestAndDividendIncomeOperating to InterestIncomeSecuritiesTaxExempt" order="3.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestAndFeeIncomeLoansAndLeases" xlink:label="InterestAndFeeIncomeLoansAndLeases" xlink:title="InterestAndFeeIncomeLoansAndLeases" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="InterestAndDividendIncomeOperating" xlink:to="InterestAndFeeIncomeLoansAndLeases" xlink:title="calculation: InterestAndDividendIncomeOperating to InterestAndFeeIncomeLoansAndLeases" order="1.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestIncomeSecuritiesTaxable" xlink:label="InterestIncomeSecuritiesTaxable" xlink:title="InterestIncomeSecuritiesTaxable" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="InterestAndDividendIncomeOperating" xlink:to="InterestIncomeSecuritiesTaxable" xlink:title="calculation: InterestAndDividendIncomeOperating to InterestIncomeSecuritiesTaxable" order="2.0" weight="1.0" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="InterestIncomeExpenseNet" xlink:to="InterestAndDividendIncomeOperating" xlink:title="calculation: InterestIncomeExpenseNet to InterestAndDividendIncomeOperating" order="2.0" weight="1.0" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:to="InterestIncomeExpenseNet" xlink:title="calculation: InterestIncomeExpenseAfterProvisionForLoanLoss to InterestIncomeExpenseNet" order="1.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProvisionForLoanLossesExpensed" xlink:label="ProvisionForLoanLossesExpensed" xlink:title="ProvisionForLoanLossesExpensed" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:to="ProvisionForLoanLossesExpensed" xlink:title="calculation: InterestIncomeExpenseAfterProvisionForLoanLoss to ProvisionForLoanLossesExpensed" order="2.0" weight="-1.0" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:to="InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:title="calculation: IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest to InterestIncomeExpenseAfterProvisionForLoanLoss" order="1.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NoninterestExpense" xlink:label="NoninterestExpense" xlink:title="NoninterestExpense" />
    <link:loc xlink:type="locator" xlink:href="ibcp-20220331.xsd#ibcp_ConversionRelatedExpense" xlink:label="ConversionRelatedExpense" xlink:title="ConversionRelatedExpense" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NoninterestExpense" xlink:to="ConversionRelatedExpense" xlink:title="calculation: NoninterestExpense to ConversionRelatedExpense" order="3.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="ibcp-20220331.xsd#ibcp_DataProcessing" xlink:label="DataProcessing" xlink:title="DataProcessing" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NoninterestExpense" xlink:to="DataProcessing" xlink:title="calculation: NoninterestExpense to DataProcessing" order="2.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OccupancyNet" xlink:label="OccupancyNet" xlink:title="OccupancyNet" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NoninterestExpense" xlink:to="OccupancyNet" xlink:title="calculation: NoninterestExpense to OccupancyNet" order="1.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FederalDepositInsuranceCorporationPremiumExpense" xlink:label="FederalDepositInsuranceCorporationPremiumExpense" xlink:title="FederalDepositInsuranceCorporationPremiumExpense" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NoninterestExpense" xlink:to="FederalDepositInsuranceCorporationPremiumExpense" xlink:title="calculation: NoninterestExpense to FederalDepositInsuranceCorporationPremiumExpense" order="12.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="ibcp-20220331.xsd#ibcp_LoanAndCollection" xlink:label="LoanAndCollection" xlink:title="LoanAndCollection" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NoninterestExpense" xlink:to="LoanAndCollection" xlink:title="calculation: NoninterestExpense to LoanAndCollection" order="8.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="ibcp-20220331.xsd#ibcp_InterchangeExpense" xlink:label="InterchangeExpense" xlink:title="InterchangeExpense" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NoninterestExpense" xlink:to="InterchangeExpense" xlink:title="calculation: NoninterestExpense to InterchangeExpense" order="9.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EquipmentExpense" xlink:label="EquipmentExpense" xlink:title="EquipmentExpense" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NoninterestExpense" xlink:to="EquipmentExpense" xlink:title="calculation: NoninterestExpense to EquipmentExpense" order="4.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LaborAndRelatedExpense" xlink:label="LaborAndRelatedExpense" xlink:title="LaborAndRelatedExpense" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NoninterestExpense" xlink:to="LaborAndRelatedExpense" xlink:title="calculation: NoninterestExpense to LaborAndRelatedExpense" order="0.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProfessionalFees" xlink:label="ProfessionalFees" xlink:title="ProfessionalFees" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NoninterestExpense" xlink:to="ProfessionalFees" xlink:title="calculation: NoninterestExpense to ProfessionalFees" order="11.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AdvertisingExpense" xlink:label="AdvertisingExpense" xlink:title="AdvertisingExpense" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NoninterestExpense" xlink:to="AdvertisingExpense" xlink:title="calculation: NoninterestExpense to AdvertisingExpense" order="10.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_Communication" xlink:label="Communication" xlink:title="Communication" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NoninterestExpense" xlink:to="Communication" xlink:title="calculation: NoninterestExpense to Communication" order="5.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherNoninterestExpense" xlink:label="OtherNoninterestExpense" xlink:title="OtherNoninterestExpense" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NoninterestExpense" xlink:to="OtherNoninterestExpense" xlink:title="calculation: NoninterestExpense to OtherNoninterestExpense" order="15.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_GainsLossesOnSalesOfOtherRealEstate" xlink:label="GainsLossesOnSalesOfOtherRealEstate" xlink:title="GainsLossesOnSalesOfOtherRealEstate" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NoninterestExpense" xlink:to="GainsLossesOnSalesOfOtherRealEstate" xlink:title="calculation: NoninterestExpense to GainsLossesOnSalesOfOtherRealEstate" order="6.0" weight="-1.0" />
    <link:loc xlink:type="locator" xlink:href="ibcp-20220331.xsd#ibcp_RecoveriesRelatedToUnfundedLendingCommitments" xlink:label="RecoveriesRelatedToUnfundedLendingCommitments" xlink:title="RecoveriesRelatedToUnfundedLendingCommitments" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NoninterestExpense" xlink:to="RecoveriesRelatedToUnfundedLendingCommitments" xlink:title="calculation: NoninterestExpense to RecoveriesRelatedToUnfundedLendingCommitments" order="7.0" weight="-1.0" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:to="NoninterestExpense" xlink:title="calculation: IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest to NoninterestExpense" order="3.0" weight="-1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NoninterestIncome" xlink:label="NoninterestIncome" xlink:title="NoninterestIncome" />
    <link:loc xlink:type="locator" xlink:href="ibcp-20220331.xsd#ibcp_DepositorAccountsFeesAndCommissions" xlink:label="DepositorAccountsFeesAndCommissions" xlink:title="DepositorAccountsFeesAndCommissions" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NoninterestIncome" xlink:to="DepositorAccountsFeesAndCommissions" xlink:title="calculation: NoninterestIncome to DepositorAccountsFeesAndCommissions" order="3.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="ibcp-20220331.xsd#ibcp_InterchangeIncome" xlink:label="InterchangeIncome" xlink:title="InterchangeIncome" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NoninterestIncome" xlink:to="InterchangeIncome" xlink:title="calculation: NoninterestIncome to InterchangeIncome" order="4.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="ibcp-20220331.xsd#ibcp_MortgageLoanServicingIncome" xlink:label="MortgageLoanServicingIncome" xlink:title="MortgageLoanServicingIncome" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NoninterestIncome" xlink:to="MortgageLoanServicingIncome" xlink:title="calculation: NoninterestIncome to MortgageLoanServicingIncome" order="7.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_GainLossOnSalesOfLoansNet" xlink:label="GainLossOnSalesOfLoansNet" xlink:title="GainLossOnSalesOfLoansNet" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NoninterestIncome" xlink:to="GainLossOnSalesOfLoansNet" xlink:title="calculation: NoninterestIncome to GainLossOnSalesOfLoansNet" order="2.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_MarketableSecuritiesGainLossExcludingOtherThanTemporaryImpairments" xlink:label="MarketableSecuritiesGainLossExcludingOtherThanTemporaryImpairments" xlink:title="MarketableSecuritiesGainLossExcludingOtherThanTemporaryImpairments" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NoninterestIncome" xlink:to="MarketableSecuritiesGainLossExcludingOtherThanTemporaryImpairments" xlink:title="calculation: NoninterestIncome to MarketableSecuritiesGainLossExcludingOtherThanTemporaryImpairments" order="5.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:label="NoninterestIncomeOtherOperatingIncome" xlink:title="NoninterestIncomeOtherOperatingIncome" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NoninterestIncome" xlink:to="NoninterestIncomeOtherOperatingIncome" xlink:title="calculation: NoninterestIncome to NoninterestIncomeOtherOperatingIncome" order="8.0" weight="1.0" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:to="NoninterestIncome" xlink:title="calculation: IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest to NoninterestIncome" order="2.0" weight="1.0" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetIncomeLoss" xlink:to="IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:title="calculation: NetIncomeLoss to IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" order="2.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:label="IncomeTaxExpenseBenefit" xlink:title="IncomeTaxExpenseBenefit" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetIncomeLoss" xlink:to="IncomeTaxExpenseBenefit" xlink:title="calculation: NetIncomeLoss to IncomeTaxExpenseBenefit" order="1.0" weight="-1.0" />
  </link:calculationLink>
  <link:calculationLink xlink:type="extended" xlink:role="http://independentbank.com/role/CondensedConsolidatedStatementsOfComprehensiveIncome">
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTax" xlink:label="ComprehensiveIncomeNetOfTax" xlink:title="ComprehensiveIncomeNetOfTax" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="NetIncomeLoss" xlink:title="NetIncomeLoss" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ComprehensiveIncomeNetOfTax" xlink:to="NetIncomeLoss" xlink:title="calculation: ComprehensiveIncomeNetOfTax to NetIncomeLoss" order="1.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xlink:label="OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xlink:title="OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax" xlink:label="OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax" xlink:title="OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax" xlink:label="OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax" xlink:title="OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax" xlink:to="OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax" xlink:title="calculation: OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax to OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax" order="1.0" weight="-1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax" xlink:label="OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax" xlink:title="OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax" xlink:label="OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax" xlink:title="OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax" xlink:to="OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax" xlink:title="calculation: OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax to OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax" order="1.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax" xlink:label="OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax" xlink:title="OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax" xlink:to="OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax" xlink:title="calculation: OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax to OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax" order="5.0" weight="-1.0" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax" xlink:to="OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax" xlink:title="calculation: OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax to OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax" order="0.0" weight="1.0" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xlink:to="OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax" xlink:title="calculation: OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent to OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax" order="1.0" weight="1.0" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="ComprehensiveIncomeNetOfTax" xlink:to="OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xlink:title="calculation: ComprehensiveIncomeNetOfTax to OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" order="2.0" weight="1.0" />
  </link:calculationLink>
  <link:calculationLink xlink:type="extended" xlink:role="http://independentbank.com/role/CondensedConsolidatedStatementsOfCashFlows">
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect" xlink:label="CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect" xlink:title="CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:label="NetCashProvidedByUsedInInvestingActivities" xlink:title="NetCashProvidedByUsedInInvestingActivities" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromSaleOfFederalHomeLoanBankStock" xlink:label="ProceedsFromSaleOfFederalHomeLoanBankStock" xlink:title="ProceedsFromSaleOfFederalHomeLoanBankStock" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInInvestingActivities" xlink:to="ProceedsFromSaleOfFederalHomeLoanBankStock" xlink:title="calculation: NetCashProvidedByUsedInInvestingActivities to ProceedsFromSaleOfFederalHomeLoanBankStock" order="6.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt" xlink:label="PaymentsToAcquireAvailableForSaleSecuritiesDebt" xlink:title="PaymentsToAcquireAvailableForSaleSecuritiesDebt" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInInvestingActivities" xlink:to="PaymentsToAcquireAvailableForSaleSecuritiesDebt" xlink:title="calculation: NetCashProvidedByUsedInInvestingActivities to PaymentsToAcquireAvailableForSaleSecuritiesDebt" order="2.0" weight="-1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromLifeInsurancePolicies" xlink:label="ProceedsFromLifeInsurancePolicies" xlink:title="ProceedsFromLifeInsurancePolicies" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInInvestingActivities" xlink:to="ProceedsFromLifeInsurancePolicies" xlink:title="calculation: NetCashProvidedByUsedInInvestingActivities to ProceedsFromLifeInsurancePolicies" order="8.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:label="PaymentsToAcquirePropertyPlantAndEquipment" xlink:title="PaymentsToAcquirePropertyPlantAndEquipment" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInInvestingActivities" xlink:to="PaymentsToAcquirePropertyPlantAndEquipment" xlink:title="calculation: NetCashProvidedByUsedInInvestingActivities to PaymentsToAcquirePropertyPlantAndEquipment" order="10.0" weight="-1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" xlink:label="ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" xlink:title="ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInInvestingActivities" xlink:to="ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" xlink:title="calculation: NetCashProvidedByUsedInInvestingActivities to ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" order="1.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromSaleOfLoansHeldForInvestment" xlink:label="ProceedsFromSaleOfLoansHeldForInvestment" xlink:title="ProceedsFromSaleOfLoansHeldForInvestment" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInInvestingActivities" xlink:to="ProceedsFromSaleOfLoansHeldForInvestment" xlink:title="calculation: NetCashProvidedByUsedInInvestingActivities to ProceedsFromSaleOfLoansHeldForInvestment" order="7.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="ibcp-20220331.xsd#ibcp_NetIncreaseDecreaseOfPortfolioLoansOriginatedNetOfPrincipalPayments" xlink:label="NetIncreaseDecreaseOfPortfolioLoansOriginatedNetOfPrincipalPayments" xlink:title="NetIncreaseDecreaseOfPortfolioLoansOriginatedNetOfPrincipalPayments" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInInvestingActivities" xlink:to="NetIncreaseDecreaseOfPortfolioLoansOriginatedNetOfPrincipalPayments" xlink:title="calculation: NetCashProvidedByUsedInInvestingActivities to NetIncreaseDecreaseOfPortfolioLoansOriginatedNetOfPrincipalPayments" order="5.0" weight="-1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt" xlink:label="ProceedsFromSaleOfAvailableForSaleSecuritiesDebt" xlink:title="ProceedsFromSaleOfAvailableForSaleSecuritiesDebt" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInInvestingActivities" xlink:to="ProceedsFromSaleOfAvailableForSaleSecuritiesDebt" xlink:title="calculation: NetCashProvidedByUsedInInvestingActivities to ProceedsFromSaleOfAvailableForSaleSecuritiesDebt" order="0.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromSaleOfForeclosedAssets" xlink:label="ProceedsFromSaleOfForeclosedAssets" xlink:title="ProceedsFromSaleOfForeclosedAssets" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInInvestingActivities" xlink:to="ProceedsFromSaleOfForeclosedAssets" xlink:title="calculation: NetCashProvidedByUsedInInvestingActivities to ProceedsFromSaleOfForeclosedAssets" order="9.0" weight="1.0" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect" xlink:to="NetCashProvidedByUsedInInvestingActivities" xlink:title="calculation: CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect to NetCashProvidedByUsedInInvestingActivities" order="2.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:label="NetCashProvidedByUsedInFinancingActivities" xlink:title="NetCashProvidedByUsedInFinancingActivities" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromRepaymentsOfOtherDebt" xlink:label="ProceedsFromRepaymentsOfOtherDebt" xlink:title="ProceedsFromRepaymentsOfOtherDebt" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInFinancingActivities" xlink:to="ProceedsFromRepaymentsOfOtherDebt" xlink:title="calculation: NetCashProvidedByUsedInFinancingActivities to ProceedsFromRepaymentsOfOtherDebt" order="1.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInDeposits" xlink:label="IncreaseDecreaseInDeposits" xlink:title="IncreaseDecreaseInDeposits" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInFinancingActivities" xlink:to="IncreaseDecreaseInDeposits" xlink:title="calculation: NetCashProvidedByUsedInFinancingActivities to IncreaseDecreaseInDeposits" order="0.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromIssuanceOfCommonStock" xlink:label="ProceedsFromIssuanceOfCommonStock" xlink:title="ProceedsFromIssuanceOfCommonStock" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInFinancingActivities" xlink:to="ProceedsFromIssuanceOfCommonStock" xlink:title="calculation: NetCashProvidedByUsedInFinancingActivities to ProceedsFromIssuanceOfCommonStock" order="6.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsOfDividends" xlink:label="PaymentsOfDividends" xlink:title="PaymentsOfDividends" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInFinancingActivities" xlink:to="PaymentsOfDividends" xlink:title="calculation: NetCashProvidedByUsedInFinancingActivities to PaymentsOfDividends" order="5.0" weight="-1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation" xlink:label="PaymentsRelatedToTaxWithholdingForShareBasedCompensation" xlink:title="PaymentsRelatedToTaxWithholdingForShareBasedCompensation" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInFinancingActivities" xlink:to="PaymentsRelatedToTaxWithholdingForShareBasedCompensation" xlink:title="calculation: NetCashProvidedByUsedInFinancingActivities to PaymentsRelatedToTaxWithholdingForShareBasedCompensation" order="8.0" weight="-1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:label="PaymentsForRepurchaseOfCommonStock" xlink:title="PaymentsForRepurchaseOfCommonStock" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInFinancingActivities" xlink:to="PaymentsForRepurchaseOfCommonStock" xlink:title="calculation: NetCashProvidedByUsedInFinancingActivities to PaymentsForRepurchaseOfCommonStock" order="7.0" weight="-1.0" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect" xlink:to="NetCashProvidedByUsedInFinancingActivities" xlink:title="calculation: CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect to NetCashProvidedByUsedInFinancingActivities" order="1.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:label="NetCashProvidedByUsedInOperatingActivities" xlink:title="NetCashProvidedByUsedInOperatingActivities" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" xlink:label="AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" xlink:title="AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInDeferredIncomeTaxes" xlink:label="IncreaseDecreaseInDeferredIncomeTaxes" xlink:title="IncreaseDecreaseInDeferredIncomeTaxes" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" xlink:to="IncreaseDecreaseInDeferredIncomeTaxes" xlink:title="calculation: AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities to IncreaseDecreaseInDeferredIncomeTaxes" order="5.0" weight="-1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_MarketableSecuritiesGainLossExcludingOtherThanTemporaryImpairments" xlink:label="MarketableSecuritiesGainLossExcludingOtherThanTemporaryImpairments" xlink:title="MarketableSecuritiesGainLossExcludingOtherThanTemporaryImpairments" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" xlink:to="MarketableSecuritiesGainLossExcludingOtherThanTemporaryImpairments" xlink:title="calculation: AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities to MarketableSecuritiesGainLossExcludingOtherThanTemporaryImpairments" order="10.0" weight="-1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProceedsFromSaleOfLoansHeldForSale" xlink:label="ProceedsFromSaleOfLoansHeldForSale" xlink:title="ProceedsFromSaleOfLoansHeldForSale" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" xlink:to="ProceedsFromSaleOfLoansHeldForSale" xlink:title="calculation: AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities to ProceedsFromSaleOfLoansHeldForSale" order="0.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_GainLossOnSalesOfLoansNet" xlink:label="GainLossOnSalesOfLoansNet" xlink:title="GainLossOnSalesOfLoansNet" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" xlink:to="GainLossOnSalesOfLoansNet" xlink:title="calculation: AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities to GainLossOnSalesOfLoansNet" order="9.0" weight="-1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShareBasedCompensation" xlink:label="ShareBasedCompensation" xlink:title="ShareBasedCompensation" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" xlink:to="ShareBasedCompensation" xlink:title="calculation: AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities to ShareBasedCompensation" order="12.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:label="IncreaseDecreaseInOtherOperatingAssets" xlink:title="IncreaseDecreaseInOtherOperatingAssets" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" xlink:to="IncreaseDecreaseInOtherOperatingAssets" xlink:title="calculation: AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities to IncreaseDecreaseInOtherOperatingAssets" order="13.0" weight="-1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInLoansDeferredIncome" xlink:label="IncreaseDecreaseInLoansDeferredIncome" xlink:title="IncreaseDecreaseInLoansDeferredIncome" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" xlink:to="IncreaseDecreaseInLoansDeferredIncome" xlink:title="calculation: AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities to IncreaseDecreaseInLoansDeferredIncome" order="7.0" weight="-1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale" xlink:label="PaymentsForOriginationOfMortgageLoansHeldForSale" xlink:title="PaymentsForOriginationOfMortgageLoansHeldForSale" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" xlink:to="PaymentsForOriginationOfMortgageLoansHeldForSale" xlink:title="calculation: AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities to PaymentsForOriginationOfMortgageLoansHeldForSale" order="1.0" weight="-1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DepreciationAmortizationAndAccretionNet" xlink:label="DepreciationAmortizationAndAccretionNet" xlink:title="DepreciationAmortizationAndAccretionNet" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" xlink:to="DepreciationAmortizationAndAccretionNet" xlink:title="calculation: AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities to DepreciationAmortizationAndAccretionNet" order="8.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities" xlink:label="IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities" xlink:title="IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" xlink:to="IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities" xlink:title="calculation: AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities to IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities" order="14.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ProvisionForLoanLossesExpensed" xlink:label="ProvisionForLoanLossesExpensed" xlink:title="ProvisionForLoanLossesExpensed" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" xlink:to="ProvisionForLoanLossesExpensed" xlink:title="calculation: AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities to ProvisionForLoanLossesExpensed" order="3.0" weight="1.0" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInOperatingActivities" xlink:to="AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" xlink:title="calculation: NetCashProvidedByUsedInOperatingActivities to AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" order="1.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="NetIncomeLoss" xlink:title="NetIncomeLoss" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NetCashProvidedByUsedInOperatingActivities" xlink:to="NetIncomeLoss" xlink:title="calculation: NetCashProvidedByUsedInOperatingActivities to NetIncomeLoss" order="2.0" weight="1.0" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect" xlink:to="NetCashProvidedByUsedInOperatingActivities" xlink:title="calculation: CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect to NetCashProvidedByUsedInOperatingActivities" order="3.0" weight="1.0" />
  </link:calculationLink>
  <link:calculationLink xlink:type="extended" xlink:role="http://independentbank.com/role/SecuritiesAvailableForSaleGrossUnrealizedLossesAndFairValuesDetails">
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis" xlink:label="AvailableForSaleDebtSecuritiesAmortizedCostBasis" xlink:title="AvailableForSaleDebtSecuritiesAmortizedCostBasis" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" xlink:label="AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" xlink:title="AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="AvailableForSaleDebtSecuritiesAmortizedCostBasis" xlink:to="AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" xlink:title="calculation: AvailableForSaleDebtSecuritiesAmortizedCostBasis to AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" order="2.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" xlink:label="AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" xlink:title="AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="AvailableForSaleDebtSecuritiesAmortizedCostBasis" xlink:to="AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" xlink:title="calculation: AvailableForSaleDebtSecuritiesAmortizedCostBasis to AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" order="1.0" weight="-1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities" xlink:label="AvailableForSaleSecuritiesDebtSecurities" xlink:title="AvailableForSaleSecuritiesDebtSecurities" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="AvailableForSaleDebtSecuritiesAmortizedCostBasis" xlink:to="AvailableForSaleSecuritiesDebtSecurities" xlink:title="calculation: AvailableForSaleDebtSecuritiesAmortizedCostBasis to AvailableForSaleSecuritiesDebtSecurities" order="0.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" xlink:label="DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" xlink:title="DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" xlink:label="DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" xlink:title="DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" xlink:to="DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" xlink:title="calculation: DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss to DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" order="0.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xlink:label="DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xlink:title="DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" xlink:to="DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xlink:title="calculation: DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss to DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" order="1.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition" xlink:label="DebtSecuritiesAvailableForSaleUnrealizedLossPosition" xlink:title="DebtSecuritiesAvailableForSaleUnrealizedLossPosition" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" xlink:label="DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" xlink:title="DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="DebtSecuritiesAvailableForSaleUnrealizedLossPosition" xlink:to="DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" xlink:title="calculation: DebtSecuritiesAvailableForSaleUnrealizedLossPosition to DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" order="1.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" xlink:label="DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" xlink:title="DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="DebtSecuritiesAvailableForSaleUnrealizedLossPosition" xlink:to="DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" xlink:title="calculation: DebtSecuritiesAvailableForSaleUnrealizedLossPosition to DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" order="2.0" weight="1.0" />
  </link:calculationLink>
  <link:calculationLink xlink:type="extended" xlink:role="http://independentbank.com/role/SecuritiesAmortizedCostAndFairValueSecuritiesAvailableForSaleContractualMaturitiesDetails">
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis" xlink:label="AvailableForSaleDebtSecuritiesAmortizedCostBasis" xlink:title="AvailableForSaleDebtSecuritiesAmortizedCostBasis" />
    <link:loc xlink:type="locator" xlink:href="ibcp-20220331.xsd#ibcp_OtherAssetBackedWithoutSingleMaturityDateAmortizedCostBasis" xlink:label="OtherAssetBackedWithoutSingleMaturityDateAmortizedCostBasis" xlink:title="OtherAssetBackedWithoutSingleMaturityDateAmortizedCostBasis" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="AvailableForSaleDebtSecuritiesAmortizedCostBasis" xlink:to="OtherAssetBackedWithoutSingleMaturityDateAmortizedCostBasis" xlink:title="calculation: AvailableForSaleDebtSecuritiesAmortizedCostBasis to OtherAssetBackedWithoutSingleMaturityDateAmortizedCostBasis" order="4.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="ibcp-20220331.xsd#ibcp_GovernmentAgencyCommercialMortgageBackedWithoutSingleMaturityDateAmortizedCostBasis" xlink:label="GovernmentAgencyCommercialMortgageBackedWithoutSingleMaturityDateAmortizedCostBasis" xlink:title="GovernmentAgencyCommercialMortgageBackedWithoutSingleMaturityDateAmortizedCostBasis" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="AvailableForSaleDebtSecuritiesAmortizedCostBasis" xlink:to="GovernmentAgencyCommercialMortgageBackedWithoutSingleMaturityDateAmortizedCostBasis" xlink:title="calculation: AvailableForSaleDebtSecuritiesAmortizedCostBasis to GovernmentAgencyCommercialMortgageBackedWithoutSingleMaturityDateAmortizedCostBasis" order="1.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="ibcp-20220331.xsd#ibcp_PrivateLabelMortgageBackedWithoutSingleMaturityDateAmortizedCostBasis" xlink:label="PrivateLabelMortgageBackedWithoutSingleMaturityDateAmortizedCostBasis" xlink:title="PrivateLabelMortgageBackedWithoutSingleMaturityDateAmortizedCostBasis" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="AvailableForSaleDebtSecuritiesAmortizedCostBasis" xlink:to="PrivateLabelMortgageBackedWithoutSingleMaturityDateAmortizedCostBasis" xlink:title="calculation: AvailableForSaleDebtSecuritiesAmortizedCostBasis to PrivateLabelMortgageBackedWithoutSingleMaturityDateAmortizedCostBasis" order="3.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis" xlink:label="AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis" xlink:title="AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" xlink:label="AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" xlink:title="AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis" xlink:to="AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" xlink:title="calculation: AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis to AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" order="2.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost" xlink:label="AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost" xlink:title="AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis" xlink:to="AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost" xlink:title="calculation: AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis to AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost" order="3.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost" xlink:label="AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost" xlink:title="AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis" xlink:to="AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost" xlink:title="calculation: AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis to AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost" order="0.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" xlink:label="AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" xlink:title="AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis" xlink:to="AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" xlink:title="calculation: AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis to AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" order="1.0" weight="1.0" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="AvailableForSaleDebtSecuritiesAmortizedCostBasis" xlink:to="AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis" xlink:title="calculation: AvailableForSaleDebtSecuritiesAmortizedCostBasis to AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis" order="2.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost" xlink:label="AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost" xlink:title="AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="AvailableForSaleDebtSecuritiesAmortizedCostBasis" xlink:to="AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost" xlink:title="calculation: AvailableForSaleDebtSecuritiesAmortizedCostBasis to AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost" order="0.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities" xlink:label="AvailableForSaleSecuritiesDebtSecurities" xlink:title="AvailableForSaleSecuritiesDebtSecurities" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate" xlink:label="AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate" xlink:title="AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xlink:label="AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xlink:title="AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate" xlink:to="AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xlink:title="calculation: AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate to AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" order="2.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue" xlink:label="AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue" xlink:title="AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate" xlink:to="AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue" xlink:title="calculation: AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate to AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue" order="0.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" xlink:label="AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" xlink:title="AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate" xlink:to="AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" xlink:title="calculation: AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate to AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" order="1.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue" xlink:label="AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue" xlink:title="AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate" xlink:to="AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue" xlink:title="calculation: AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate to AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue" order="3.0" weight="1.0" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="AvailableForSaleSecuritiesDebtSecurities" xlink:to="AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate" xlink:title="calculation: AvailableForSaleSecuritiesDebtSecurities to AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate" order="0.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue" xlink:label="AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue" xlink:title="AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="AvailableForSaleSecuritiesDebtSecurities" xlink:to="AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue" xlink:title="calculation: AvailableForSaleSecuritiesDebtSecurities to AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue" order="1.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="ibcp-20220331.xsd#ibcp_PrivateLabelMortgageBackedDebtMaturitiesWithoutSingleMaturityDateFairValue" xlink:label="PrivateLabelMortgageBackedDebtMaturitiesWithoutSingleMaturityDateFairValue" xlink:title="PrivateLabelMortgageBackedDebtMaturitiesWithoutSingleMaturityDateFairValue" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="AvailableForSaleSecuritiesDebtSecurities" xlink:to="PrivateLabelMortgageBackedDebtMaturitiesWithoutSingleMaturityDateFairValue" xlink:title="calculation: AvailableForSaleSecuritiesDebtSecurities to PrivateLabelMortgageBackedDebtMaturitiesWithoutSingleMaturityDateFairValue" order="3.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="ibcp-20220331.xsd#ibcp_GovernmentAgencyCommercialMortgageBackedDebtMaturitiesWithoutSingleMaturityDateFairValue" xlink:label="GovernmentAgencyCommercialMortgageBackedDebtMaturitiesWithoutSingleMaturityDateFairValue" xlink:title="GovernmentAgencyCommercialMortgageBackedDebtMaturitiesWithoutSingleMaturityDateFairValue" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="AvailableForSaleSecuritiesDebtSecurities" xlink:to="GovernmentAgencyCommercialMortgageBackedDebtMaturitiesWithoutSingleMaturityDateFairValue" xlink:title="calculation: AvailableForSaleSecuritiesDebtSecurities to GovernmentAgencyCommercialMortgageBackedDebtMaturitiesWithoutSingleMaturityDateFairValue" order="2.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="ibcp-20220331.xsd#ibcp_OtherAssetBackedDebtMaturitiesWithoutSingleMaturityDateFairValue" xlink:label="OtherAssetBackedDebtMaturitiesWithoutSingleMaturityDateFairValue" xlink:title="OtherAssetBackedDebtMaturitiesWithoutSingleMaturityDateFairValue" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="AvailableForSaleSecuritiesDebtSecurities" xlink:to="OtherAssetBackedDebtMaturitiesWithoutSingleMaturityDateFairValue" xlink:title="calculation: AvailableForSaleSecuritiesDebtSecurities to OtherAssetBackedDebtMaturitiesWithoutSingleMaturityDateFairValue" order="4.0" weight="1.0" />
  </link:calculationLink>
  <link:calculationLink xlink:type="extended" xlink:role="http://independentbank.com/role/LoansReceivablesPastDueDetails">
    <link:loc xlink:type="locator" xlink:href="ibcp-20220331.xsd#ibcp_FinancingReceivableNonPerformingLoans" xlink:label="FinancingReceivableNonPerformingLoans" xlink:title="FinancingReceivableNonPerformingLoans" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus" xlink:label="FinancingReceivableRecordedInvestmentNonaccrualStatus" xlink:title="FinancingReceivableRecordedInvestmentNonaccrualStatus" />
    <link:loc xlink:type="locator" xlink:href="ibcp-20220331.xsd#ibcp_FinancingReceivableNonaccrualWithAllowanceForCreditLoss" xlink:label="FinancingReceivableNonaccrualWithAllowanceForCreditLoss" xlink:title="FinancingReceivableNonaccrualWithAllowanceForCreditLoss" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="FinancingReceivableRecordedInvestmentNonaccrualStatus" xlink:to="FinancingReceivableNonaccrualWithAllowanceForCreditLoss" xlink:title="calculation: FinancingReceivableRecordedInvestmentNonaccrualStatus to FinancingReceivableNonaccrualWithAllowanceForCreditLoss" order="1.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivableNonaccrualNoAllowance" xlink:label="FinancingReceivableNonaccrualNoAllowance" xlink:title="FinancingReceivableNonaccrualNoAllowance" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="FinancingReceivableRecordedInvestmentNonaccrualStatus" xlink:to="FinancingReceivableNonaccrualNoAllowance" xlink:title="calculation: FinancingReceivableRecordedInvestmentNonaccrualStatus to FinancingReceivableNonaccrualNoAllowance" order="0.0" weight="1.0" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="FinancingReceivableNonPerformingLoans" xlink:to="FinancingReceivableRecordedInvestmentNonaccrualStatus" xlink:title="calculation: FinancingReceivableNonPerformingLoans to FinancingReceivableRecordedInvestmentNonaccrualStatus" order="1.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" xlink:label="FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" xlink:title="FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="FinancingReceivableNonPerformingLoans" xlink:to="FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" xlink:title="calculation: FinancingReceivableNonPerformingLoans to FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" order="2.0" weight="1.0" />
  </link:calculationLink>
  <link:calculationLink xlink:type="extended" xlink:role="http://independentbank.com/role/LoansLoanRatingsByLoanClassCommercialDetails">
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NotesReceivableGross" xlink:label="NotesReceivableGross" xlink:title="NotesReceivableGross" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:label="FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:title="FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NotesReceivableGross" xlink:to="FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:title="calculation: NotesReceivableGross to FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" order="1.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" xlink:label="FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" xlink:title="FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NotesReceivableGross" xlink:to="FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" xlink:title="calculation: NotesReceivableGross to FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" order="4.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" xlink:label="FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" xlink:title="FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NotesReceivableGross" xlink:to="FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" xlink:title="calculation: NotesReceivableGross to FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" order="3.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" xlink:label="FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" xlink:title="FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NotesReceivableGross" xlink:to="FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" xlink:title="calculation: NotesReceivableGross to FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" order="2.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivableRevolving" xlink:label="FinancingReceivableRevolving" xlink:title="FinancingReceivableRevolving" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NotesReceivableGross" xlink:to="FinancingReceivableRevolving" xlink:title="calculation: NotesReceivableGross to FinancingReceivableRevolving" order="6.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" xlink:label="FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" xlink:title="FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NotesReceivableGross" xlink:to="FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" xlink:title="calculation: NotesReceivableGross to FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" order="5.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear" xlink:label="FinancingReceivableOriginatedInCurrentFiscalYear" xlink:title="FinancingReceivableOriginatedInCurrentFiscalYear" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="NotesReceivableGross" xlink:to="FinancingReceivableOriginatedInCurrentFiscalYear" xlink:title="calculation: NotesReceivableGross to FinancingReceivableOriginatedInCurrentFiscalYear" order="0.0" weight="1.0" />
  </link:calculationLink>
  <link:calculationLink xlink:type="extended" xlink:role="http://independentbank.com/role/ShareholdersEquityAndEarningsPerCommonShareEarningsPerShareReconciliationDetails">
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment" xlink:label="WeightedAverageNumberDilutedSharesOutstandingAdjustment" xlink:title="WeightedAverageNumberDilutedSharesOutstandingAdjustment" />
    <link:loc xlink:type="locator" xlink:href="ibcp-20220331.xsd#ibcp_WeightedAverageNumberOfPerformanceSharesStock" xlink:label="WeightedAverageNumberOfPerformanceSharesStock" xlink:title="WeightedAverageNumberOfPerformanceSharesStock" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="WeightedAverageNumberDilutedSharesOutstandingAdjustment" xlink:to="WeightedAverageNumberOfPerformanceSharesStock" xlink:title="calculation: WeightedAverageNumberDilutedSharesOutstandingAdjustment to WeightedAverageNumberOfPerformanceSharesStock" order="4.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:label="WeightedAverageNumberOfSharesOutstandingBasic" xlink:title="WeightedAverageNumberOfSharesOutstandingBasic" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="WeightedAverageNumberDilutedSharesOutstandingAdjustment" xlink:to="WeightedAverageNumberOfSharesOutstandingBasic" xlink:title="calculation: WeightedAverageNumberDilutedSharesOutstandingAdjustment to WeightedAverageNumberOfSharesOutstandingBasic" order="1.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="ibcp-20220331.xsd#ibcp_StockUnitsForDeferredCompensationPlanForNonEmployeeDirectors" xlink:label="StockUnitsForDeferredCompensationPlanForNonEmployeeDirectors" xlink:title="StockUnitsForDeferredCompensationPlanForNonEmployeeDirectors" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="WeightedAverageNumberDilutedSharesOutstandingAdjustment" xlink:to="StockUnitsForDeferredCompensationPlanForNonEmployeeDirectors" xlink:title="calculation: WeightedAverageNumberDilutedSharesOutstandingAdjustment to StockUnitsForDeferredCompensationPlanForNonEmployeeDirectors" order="5.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements" xlink:label="IncrementalCommonSharesAttributableToShareBasedPaymentArrangements" xlink:title="IncrementalCommonSharesAttributableToShareBasedPaymentArrangements" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="WeightedAverageNumberDilutedSharesOutstandingAdjustment" xlink:to="IncrementalCommonSharesAttributableToShareBasedPaymentArrangements" xlink:title="calculation: WeightedAverageNumberDilutedSharesOutstandingAdjustment to IncrementalCommonSharesAttributableToShareBasedPaymentArrangements" order="6.0" weight="1.0" />
  </link:calculationLink>
  <link:calculationLink xlink:type="extended" xlink:role="http://independentbank.com/role/GoodwillAndOtherIntangiblesDetails">
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsNet" xlink:label="FiniteLivedIntangibleAssetsNet" xlink:title="FiniteLivedIntangibleAssetsNet" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour" xlink:label="FiniteLivedIntangibleAssetsAmortizationExpenseYearFour" xlink:title="FiniteLivedIntangibleAssetsAmortizationExpenseYearFour" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="FiniteLivedIntangibleAssetsNet" xlink:to="FiniteLivedIntangibleAssetsAmortizationExpenseYearFour" xlink:title="calculation: FiniteLivedIntangibleAssetsNet to FiniteLivedIntangibleAssetsAmortizationExpenseYearFour" order="5.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo" xlink:label="FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo" xlink:title="FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="FiniteLivedIntangibleAssetsNet" xlink:to="FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo" xlink:title="calculation: FiniteLivedIntangibleAssetsNet to FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo" order="3.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree" xlink:label="FiniteLivedIntangibleAssetsAmortizationExpenseYearThree" xlink:title="FiniteLivedIntangibleAssetsAmortizationExpenseYearThree" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="FiniteLivedIntangibleAssetsNet" xlink:to="FiniteLivedIntangibleAssetsAmortizationExpenseYearThree" xlink:title="calculation: FiniteLivedIntangibleAssetsNet to FiniteLivedIntangibleAssetsAmortizationExpenseYearThree" order="4.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseRemainderOfFiscalYear" xlink:label="FiniteLivedIntangibleAssetsAmortizationExpenseRemainderOfFiscalYear" xlink:title="FiniteLivedIntangibleAssetsAmortizationExpenseRemainderOfFiscalYear" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="FiniteLivedIntangibleAssetsNet" xlink:to="FiniteLivedIntangibleAssetsAmortizationExpenseRemainderOfFiscalYear" xlink:title="calculation: FiniteLivedIntangibleAssetsNet to FiniteLivedIntangibleAssetsAmortizationExpenseRemainderOfFiscalYear" order="1.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="ibcp-20220331.xsd#ibcp_FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFour" xlink:label="FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFour" xlink:title="FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFour" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="FiniteLivedIntangibleAssetsNet" xlink:to="FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFour" xlink:title="calculation: FiniteLivedIntangibleAssetsNet to FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFour" order="6.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths" xlink:label="FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths" xlink:title="FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="FiniteLivedIntangibleAssetsNet" xlink:to="FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths" xlink:title="calculation: FiniteLivedIntangibleAssetsNet to FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths" order="2.0" weight="1.0" />
  </link:calculationLink>
  <link:calculationLink xlink:type="extended" xlink:role="http://independentbank.com/role/RegulatoryMattersDetails">
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_Capital" xlink:label="Capital" xlink:title="Capital" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_TierOneLeverageCapital" xlink:label="TierOneLeverageCapital" xlink:title="TierOneLeverageCapital" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommonEquityTierOneCapital" xlink:label="CommonEquityTierOneCapital" xlink:title="CommonEquityTierOneCapital" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StockholdersEquity" xlink:label="StockholdersEquity" xlink:title="StockholdersEquity" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="CommonEquityTierOneCapital" xlink:to="StockholdersEquity" xlink:title="calculation: CommonEquityTierOneCapital to StockholdersEquity" order="0.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:label="AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:title="AccumulatedOtherComprehensiveIncomeLossNetOfTax" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="CommonEquityTierOneCapital" xlink:to="AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:title="calculation: CommonEquityTierOneCapital to AccumulatedOtherComprehensiveIncomeLossNetOfTax" order="1.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_IntangibleAssetsNetIncludingGoodwill" xlink:label="IntangibleAssetsNetIncludingGoodwill" xlink:title="IntangibleAssetsNetIncludingGoodwill" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="CommonEquityTierOneCapital" xlink:to="IntangibleAssetsNetIncludingGoodwill" xlink:title="calculation: CommonEquityTierOneCapital to IntangibleAssetsNetIncludingGoodwill" order="2.0" weight="-1.0" />
    <link:loc xlink:type="locator" xlink:href="ibcp-20220331.xsd#ibcp_CurrentExpectedCreditLoss" xlink:label="CurrentExpectedCreditLoss" xlink:title="CurrentExpectedCreditLoss" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="CommonEquityTierOneCapital" xlink:to="CurrentExpectedCreditLoss" xlink:title="calculation: CommonEquityTierOneCapital to CurrentExpectedCreditLoss" order="3.0" weight="1.0" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="TierOneLeverageCapital" xlink:to="CommonEquityTierOneCapital" xlink:title="calculation: TierOneLeverageCapital to CommonEquityTierOneCapital" order="5.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="ibcp-20220331.xsd#ibcp_QualifyingTrustPreferredSecurities" xlink:label="QualifyingTrustPreferredSecurities" xlink:title="QualifyingTrustPreferredSecurities" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="TierOneLeverageCapital" xlink:to="QualifyingTrustPreferredSecurities" xlink:title="calculation: TierOneLeverageCapital to QualifyingTrustPreferredSecurities" order="3.0" weight="1.0" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Capital" xlink:to="TierOneLeverageCapital" xlink:title="calculation: Capital to TierOneLeverageCapital" order="2.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="ibcp-20220331.xsd#ibcp_AllowanceForLoanLossesAndUnfundedLendingCommitmentsLimitedAtSpecificRiskWeightedAssets" xlink:label="AllowanceForLoanLossesAndUnfundedLendingCommitmentsLimitedAtSpecificRiskWeightedAssets" xlink:title="AllowanceForLoanLossesAndUnfundedLendingCommitmentsLimitedAtSpecificRiskWeightedAssets" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Capital" xlink:to="AllowanceForLoanLossesAndUnfundedLendingCommitmentsLimitedAtSpecificRiskWeightedAssets" xlink:title="calculation: Capital to AllowanceForLoanLossesAndUnfundedLendingCommitmentsLimitedAtSpecificRiskWeightedAssets" order="3.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_SubordinatedDebt" xlink:label="SubordinatedDebt" xlink:title="SubordinatedDebt" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="Capital" xlink:to="SubordinatedDebt" xlink:title="calculation: Capital to SubordinatedDebt" order="1.0" weight="1.0" />
  </link:calculationLink>
  <link:calculationLink xlink:type="extended" xlink:role="http://independentbank.com/role/FairValueDisclosuresDifferenceBetweenAggregateFairValueAndAggregateRemainingContractualPrincipalDetails">
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LoansHeldForSaleFairValueDisclosure" xlink:label="LoansHeldForSaleFairValueDisclosure" xlink:title="LoansHeldForSaleFairValueDisclosure" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LoansReceivableHeldForSaleAmount" xlink:label="LoansReceivableHeldForSaleAmount" xlink:title="LoansReceivableHeldForSaleAmount" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="LoansHeldForSaleFairValueDisclosure" xlink:to="LoansReceivableHeldForSaleAmount" xlink:title="calculation: LoansHeldForSaleFairValueDisclosure to LoansReceivableHeldForSaleAmount" order="1.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FairValueOptionAggregateDifferencesLoansAndLongTermReceivables" xlink:label="FairValueOptionAggregateDifferencesLoansAndLongTermReceivables" xlink:title="FairValueOptionAggregateDifferencesLoansAndLongTermReceivables" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="LoansHeldForSaleFairValueDisclosure" xlink:to="FairValueOptionAggregateDifferencesLoansAndLongTermReceivables" xlink:title="calculation: LoansHeldForSaleFairValueDisclosure to FairValueOptionAggregateDifferencesLoansAndLongTermReceivables" order="0.0" weight="1.0" />
  </link:calculationLink>
  <link:calculationLink xlink:type="extended" xlink:role="http://independentbank.com/role/AccumulatedOtherComprehensiveIncomeLossAocilSummaryOfChangesDetails">
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xlink:label="OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xlink:title="OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent" xlink:label="OciBeforeReclassificationsNetOfTaxAttributableToParent" xlink:title="OciBeforeReclassificationsNetOfTaxAttributableToParent" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xlink:to="OciBeforeReclassificationsNetOfTaxAttributableToParent" xlink:title="calculation: OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent to OciBeforeReclassificationsNetOfTaxAttributableToParent" order="0.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent" xlink:label="ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent" xlink:title="ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xlink:to="ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent" xlink:title="calculation: OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent to ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent" order="1.0" weight="-1.0" />
  </link:calculationLink>
  <link:calculationLink xlink:type="extended" xlink:role="http://independentbank.com/role/LeasesDetails">
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue" xlink:label="LesseeOperatingLeaseLiabilityPaymentsDue" xlink:title="LesseeOperatingLeaseLiabilityPaymentsDue" />
    <link:loc xlink:type="locator" xlink:href="ibcp-20220331.xsd#ibcp_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFour" xlink:label="LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFour" xlink:title="LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFour" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="LesseeOperatingLeaseLiabilityPaymentsDue" xlink:to="LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFour" xlink:title="calculation: LesseeOperatingLeaseLiabilityPaymentsDue to LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFour" order="5.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear" xlink:label="LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear" xlink:title="LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="LesseeOperatingLeaseLiabilityPaymentsDue" xlink:to="LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear" xlink:title="calculation: LesseeOperatingLeaseLiabilityPaymentsDue to LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear" order="0.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo" xlink:label="LesseeOperatingLeaseLiabilityPaymentsDueYearTwo" xlink:title="LesseeOperatingLeaseLiabilityPaymentsDueYearTwo" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="LesseeOperatingLeaseLiabilityPaymentsDue" xlink:to="LesseeOperatingLeaseLiabilityPaymentsDueYearTwo" xlink:title="calculation: LesseeOperatingLeaseLiabilityPaymentsDue to LesseeOperatingLeaseLiabilityPaymentsDueYearTwo" order="2.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths" xlink:label="LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths" xlink:title="LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="LesseeOperatingLeaseLiabilityPaymentsDue" xlink:to="LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths" xlink:title="calculation: LesseeOperatingLeaseLiabilityPaymentsDue to LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths" order="1.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree" xlink:label="LesseeOperatingLeaseLiabilityPaymentsDueYearThree" xlink:title="LesseeOperatingLeaseLiabilityPaymentsDueYearThree" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="LesseeOperatingLeaseLiabilityPaymentsDue" xlink:to="LesseeOperatingLeaseLiabilityPaymentsDueYearThree" xlink:title="calculation: LesseeOperatingLeaseLiabilityPaymentsDue to LesseeOperatingLeaseLiabilityPaymentsDueYearThree" order="3.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour" xlink:label="LesseeOperatingLeaseLiabilityPaymentsDueYearFour" xlink:title="LesseeOperatingLeaseLiabilityPaymentsDueYearFour" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="LesseeOperatingLeaseLiabilityPaymentsDue" xlink:to="LesseeOperatingLeaseLiabilityPaymentsDueYearFour" xlink:title="calculation: LesseeOperatingLeaseLiabilityPaymentsDue to LesseeOperatingLeaseLiabilityPaymentsDueYearFour" order="4.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LeaseCost" xlink:label="LeaseCost" xlink:title="LeaseCost" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_VariableLeaseCost" xlink:label="VariableLeaseCost" xlink:title="VariableLeaseCost" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="LeaseCost" xlink:to="VariableLeaseCost" xlink:title="calculation: LeaseCost to VariableLeaseCost" order="1.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ShortTermLeaseCost" xlink:label="ShortTermLeaseCost" xlink:title="ShortTermLeaseCost" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="LeaseCost" xlink:to="ShortTermLeaseCost" xlink:title="calculation: LeaseCost to ShortTermLeaseCost" order="2.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OperatingLeaseCost" xlink:label="OperatingLeaseCost" xlink:title="OperatingLeaseCost" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="LeaseCost" xlink:to="OperatingLeaseCost" xlink:title="calculation: LeaseCost to OperatingLeaseCost" order="0.0" weight="1.0" />
  </link:calculationLink>
  <link:calculationLink xlink:type="extended" xlink:role="http://independentbank.com/role/LeasesDetailsCalc2">
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue" xlink:label="LesseeOperatingLeaseLiabilityPaymentsDue" xlink:title="LesseeOperatingLeaseLiabilityPaymentsDue" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount" xlink:label="LesseeOperatingLeaseLiabilityUndiscountedExcessAmount" xlink:title="LesseeOperatingLeaseLiabilityUndiscountedExcessAmount" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="LesseeOperatingLeaseLiabilityPaymentsDue" xlink:to="LesseeOperatingLeaseLiabilityUndiscountedExcessAmount" xlink:title="calculation: LesseeOperatingLeaseLiabilityPaymentsDue to LesseeOperatingLeaseLiabilityUndiscountedExcessAmount" order="0.0" weight="1.0" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OperatingLeaseLiability" xlink:label="OperatingLeaseLiability" xlink:title="OperatingLeaseLiability" />
    <link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="LesseeOperatingLeaseLiabilityPaymentsDue" xlink:to="OperatingLeaseLiability" xlink:title="calculation: LesseeOperatingLeaseLiabilityPaymentsDue to OperatingLeaseLiability" order="1.0" weight="1.0" />
  </link:calculationLink>
</link:linkbase>
