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  <xs:element id="ibcp_Family14OwnerOccupiedNonJumboMember" abstract="true" name="Family14OwnerOccupiedNonJumboMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_FinancingReceivableAllowanceForCreditLossesProbabilityOfDefaultAssumptionsNumberOfAnalystsUsedInForecast" abstract="false" name="FinancingReceivableAllowanceForCreditLossesProbabilityOfDefaultAssumptionsNumberOfAnalystsUsedInForecast" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="ibcp_FinancingReceivableAllowanceForCreditLossesProbabilityOfDefaultAssumptionsReasonableAndSupportableForecastPeriod" abstract="false" name="FinancingReceivableAllowanceForCreditLossesProbabilityOfDefaultAssumptionsReasonableAndSupportableForecastPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="ibcp_FinancingReceivableAllowanceForCreditLossesProbabilityOfDefaultAssumptionsAverageUnemploymentRateReversionPeriod" abstract="false" name="FinancingReceivableAllowanceForCreditLossesProbabilityOfDefaultAssumptionsAverageUnemploymentRateReversionPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="ibcp_FinancingReceivableAllowanceForCreditLossesLossGivenDefaultAssumptionsForecastPeriod" abstract="false" name="FinancingReceivableAllowanceForCreditLossesLossGivenDefaultAssumptionsForecastPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="ibcp_FinancingReceivableAllowanceForCreditLossesLossGivenDefaultAssumptionsReversionPeriod" abstract="false" name="FinancingReceivableAllowanceForCreditLossesLossGivenDefaultAssumptionsReversionPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="ibcp_FinancingReceivableModificationsNonaccrualNumberOfContracts" abstract="false" name="FinancingReceivableModificationsNonaccrualNumberOfContracts" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="ibcp_FinancingReceivableExcludingAccruedInterestModifiedInPeriodNonaccrualAmount" abstract="false" name="FinancingReceivableExcludingAccruedInterestModifiedInPeriodNonaccrualAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_FinancingReceivableModifiedInPeriodNonaccrualToTotalFinancingReceivablesPercentage" abstract="false" name="FinancingReceivableModifiedInPeriodNonaccrualToTotalFinancingReceivablesPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="ibcp_FinancingReceivableModifiedNonaccrualWeightedAverageTermIncreaseFromModification" abstract="false" name="FinancingReceivableModifiedNonaccrualWeightedAverageTermIncreaseFromModification" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="ibcp_FinancingReceivableModificationsNumberOfContracts" abstract="false" name="FinancingReceivableModificationsNumberOfContracts" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="ibcp_PastDuePeriodForModifiedLoans" abstract="false" name="PastDuePeriodForModifiedLoans" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="ibcp_NumberOfConsecutiveMortgageLoanPaymentsMissed" abstract="false" name="NumberOfConsecutiveMortgageLoanPaymentsMissed" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="ibcp_AdditionsDeductionsAbstract" abstract="true" name="AdditionsDeductionsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_CommercialAndIndustrialMember" abstract="true" name="CommercialAndIndustrialMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_CommercialRealEstateLoanMember" abstract="true" name="CommercialRealEstateLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_Family14OwnerOccupiedJumboMember" abstract="true" name="Family14OwnerOccupiedJumboMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_Family14NonOwnerOccupiedMember" abstract="true" name="Family14NonOwnerOccupiedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_Family14SecondLienMember" abstract="true" name="Family14SecondLienMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_ResortLendingMember" abstract="true" name="ResortLendingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_BoatLendingMember" abstract="true" name="BoatLendingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_RecreationalVehicleLendingMember" abstract="true" name="RecreationalVehicleLendingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_InstallmentOtherMember" abstract="true" name="InstallmentOtherMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_FinancingReceivableNonaccrualWithAllowanceForCreditLoss" abstract="false" name="FinancingReceivableNonaccrualWithAllowanceForCreditLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_FinancingReceivableNonPerformingLoans" abstract="false" name="FinancingReceivableNonPerformingLoans" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_FinancingReceivableGovernmentGuaranteedLoans" abstract="false" name="FinancingReceivableGovernmentGuaranteedLoans" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_OtherCollateralLoanMember" abstract="true" name="OtherCollateralLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_CollateralDependentLoanMember" abstract="true" name="CollateralDependentLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_AgingAnalysisOfLoansByClassAbstract" abstract="true" name="AgingAnalysisOfLoansByClassAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_NonWatch16Member" abstract="true" name="NonWatch16Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_Watch78Member" abstract="true" name="Watch78Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_SubstandardAccrual9Member" abstract="true" name="SubstandardAccrual9Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_NonAccrual1011Member" abstract="true" name="NonAccrual1011Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_FinancingReceivableAccruedInterestCurrentFiscalYear" abstract="false" name="FinancingReceivableAccruedInterestCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_FinancingReceivableAccruedInterestFiscalYearBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableAccruedInterestFiscalYearBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_FinancingReceivableAccruedInterestTwoYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableAccruedInterestTwoYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_FinancingReceivableAccruedInterestThreeYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableAccruedInterestThreeYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_FinancingReceivableAccruedInterestFourYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableAccruedInterestFourYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_FinancingReceivableAccruedInterestMoreThanFiveYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableAccruedInterestMoreThanFiveYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_FinancingReceivableAccruedInterestRevolving" abstract="false" name="FinancingReceivableAccruedInterestRevolving" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_FICOScoreGreaterThan800Member" abstract="true" name="FICOScoreGreaterThan800Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_FICOScore750To799Member" abstract="true" name="FICOScore750To799Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_FICOScore700To749Member" abstract="true" name="FICOScore700To749Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_FICOScore650To699Member" abstract="true" name="FICOScore650To699Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_FICOScore600To649Member" abstract="true" name="FICOScore600To649Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_FICOScore550To599Member" abstract="true" name="FICOScore550To599Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_FICOScore500To549Member" abstract="true" name="FICOScore500To549Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_FICOScoreUnder500Member" abstract="true" name="FICOScoreUnder500Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_FICOScoreUnknownMember" abstract="true" name="FICOScoreUnknownMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_CreditScoresByLoanClassAbstract" abstract="true" name="CreditScoresByLoanClassAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_StockUnitsForDeferredCompensationPlanForNonEmployeeDirectors" abstract="false" name="StockUnitsForDeferredCompensationPlanForNonEmployeeDirectors" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="ibcp_WeightedAverageNumberOfPerformanceSharesStock" abstract="false" name="WeightedAverageNumberOfPerformanceSharesStock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="ibcp_InterestRateSwapNoncommercialMember" abstract="true" name="InterestRateSwapNoncommercialMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_InterestRateCapShortTermFundingMember" abstract="true" name="InterestRateCapShortTermFundingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_MandatoryCommitmentsToSellMortgageLoansMember" abstract="true" name="MandatoryCommitmentsToSellMortgageLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_CommercialLoanPortfolioSegmentExcludingRealEstatePortfolioSegmentMember" abstract="true" name="CommercialLoanPortfolioSegmentExcludingRealEstatePortfolioSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_FairValueHedgeTerminatedQ12026Member" abstract="true" name="FairValueHedgeTerminatedQ12026Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_InterestRateCapTerminatedQ22023Member" abstract="true" name="InterestRateCapTerminatedQ22023Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_InterestRateCapNoncommercialMember" abstract="true" name="InterestRateCapNoncommercialMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_EffectOfDerivativeFinancialInstrumentsOnCondensedConsolidatedFinancialStatementsOfOperationsAbstract" abstract="true" name="EffectOfDerivativeFinancialInstrumentsOnCondensedConsolidatedFinancialStatementsOfOperationsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_NonEmployeeDirectorsMember" abstract="true" name="NonEmployeeDirectorsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_LongTermIncentivePlanMember" abstract="true" name="LongTermIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_PerformanceSharesPerformanceFeaturePeriodOfComparison" abstract="false" name="PerformanceSharesPerformanceFeaturePeriodOfComparison" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="ibcp_SharesIssuedOnDeferralBasisCreditedPercentageOfCurrentValue" abstract="false" name="SharesIssuedOnDeferralBasisCreditedPercentageOfCurrentValue" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ibcp_SharesIssuedInPlaceOfRetainerFees" abstract="false" name="SharesIssuedInPlaceOfRetainerFees" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="ibcp_RestrictedStockAndPerformanceStockUnitsMember" abstract="true" name="RestrictedStockAndPerformanceStockUnitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_AggregateIntrinsicValueAbstract" abstract="true" name="AggregateIntrinsicValueAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_RetainedEarningsAccumulatedDeficitSubsidiary" abstract="false" name="RetainedEarningsAccumulatedDeficitSubsidiary" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_IndependentBankMember" abstract="true" name="IndependentBankMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_ComponentsOfRegulatoryCapitalAbstract" abstract="true" name="ComponentsOfRegulatoryCapitalAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_AddDeductAbstract" abstract="true" name="AddDeductAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_QualifyingTrustPreferredSecurities" abstract="false" name="QualifyingTrustPreferredSecurities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_AllowanceForLoanLossesAndUnfundedLendingCommitmentsLimitedAtSpecificRiskWeightedAssets" abstract="false" name="AllowanceForLoanLossesAndUnfundedLendingCommitmentsLimitedAtSpecificRiskWeightedAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_CollateralDependentLoansMember" abstract="true" name="CollateralDependentLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_CapitalizedMortgageLoanServicingRightsFairValueDisclosure" abstract="false" name="CapitalizedMortgageLoanServicingRightsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_Family14Member" abstract="true" name="Family14Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_CapitalizedMortgageLoanServicingRightsMember" abstract="true" name="CapitalizedMortgageLoanServicingRightsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_LoansHeldForSaleUnrealizedGainLoss" abstract="false" name="LoansHeldForSaleUnrealizedGainLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_ServicingAssetUnrealizedGainLoss" abstract="false" name="ServicingAssetUnrealizedGainLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_CollateralDependentLoansCarryingAmount" abstract="false" name="CollateralDependentLoansCarryingAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_CollateralDependentLoansValuationAllowance" abstract="false" name="CollateralDependentLoansValuationAllowance" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_FairValueAssetsMeasuredOnRecurringBasisGainLossRealizedAndUnrealizedAbstract" abstract="true" name="FairValueAssetsMeasuredOnRecurringBasisGainLossRealizedAndUnrealizedAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossOnSaleIncludedInEarnings" abstract="false" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossOnSaleIncludedInEarnings" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_MortgageLoanServicingRightsSoldAmount" abstract="false" name="MortgageLoanServicingRightsSoldAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_MortgageLoanServicingRightsSoldPercentage" abstract="false" name="MortgageLoanServicingRightsSoldPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="ibcp_MortgageLoanServicingRightsSoldCapitalizedAmount" abstract="false" name="MortgageLoanServicingRightsSoldCapitalizedAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_MortgageLoanServicingRightsSoldCapitalizedPercentage" abstract="false" name="MortgageLoanServicingRightsSoldCapitalizedPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="ibcp_MortgageLoanServicingRightsSaleHoldbackAmount" abstract="false" name="MortgageLoanServicingRightsSaleHoldbackAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_MortgageLoanServicingRightsSaleTransactionExpense" abstract="false" name="MortgageLoanServicingRightsSaleTransactionExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_PresentValueOfNetServicingRevenueMember" abstract="true" name="PresentValueOfNetServicingRevenueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_SalesComparisonApproachMember" abstract="true" name="SalesComparisonApproachMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_MeasurementInputCapitalizationRateMember" abstract="true" name="MeasurementInputCapitalizationRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_MeasurementInputCostToServiceApproachMember" abstract="true" name="MeasurementInputCostToServiceApproachMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_MeasurementInputAncillaryIncomeMember" abstract="true" name="MeasurementInputAncillaryIncomeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_MeasurementInputFloatRateMember" abstract="true" name="MeasurementInputFloatRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_ResidentialMortgageAndInstallmentPortfolioSegmentMember" abstract="true" name="ResidentialMortgageAndInstallmentPortfolioSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_LoanReceivable1Member" abstract="true" name="LoanReceivable1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_LoanReceivable2Member" abstract="true" name="LoanReceivable2Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_CollateralOtherThanRealEstateMember" abstract="true" name="CollateralOtherThanRealEstateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_UnobservableInputsWeightedAverageAbstract" abstract="true" name="UnobservableInputsWeightedAverageAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_LoansReceivableMeasurementInput" abstract="false" name="LoansReceivableMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="ibcp_SubordinatedDebenturesMember" abstract="true" name="SubordinatedDebenturesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_EstimatedRecordedBookBalanceAndFairValueAbstract" abstract="true" name="EstimatedRecordedBookBalanceAndFairValueAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_CashAndDueFromBanksFairValueDisclosure" abstract="false" name="CashAndDueFromBanksFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_InterestBearingDepositsWithBanksFairValueDisclosure" abstract="false" name="InterestBearingDepositsWithBanksFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_NetLoansAndLoansHeldForSaleFairValueDisclosure" abstract="false" name="NetLoansAndLoansHeldForSaleFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_DepositsNoStatedMaturityFairValueDisclosure" abstract="false" name="DepositsNoStatedMaturityFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_DepositsWithStatedMaturityFairValueDisclosure" abstract="false" name="DepositsWithStatedMaturityFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_ReciprocalDepositsIncludedInDepositsWithNoStatedMaturity" abstract="false" name="ReciprocalDepositsIncludedInDepositsWithNoStatedMaturity" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_ReciprocalDepositsIncludedInDepositsWithStatedMaturity" abstract="false" name="ReciprocalDepositsIncludedInDepositsWithStatedMaturity" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_VisaMember" abstract="true" name="VisaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_CommonStockClassB1Member" abstract="true" name="CommonStockClassB1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_CommonStockClassCMember" abstract="true" name="CommonStockClassCMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_VisaClassB2Member" abstract="true" name="VisaClassB2Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_VISAClassAStockMember" abstract="true" name="VISAClassAStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_VISAClassB1Member" abstract="true" name="VISAClassB1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_ExchangeOfferSharesReceived" abstract="false" name="ExchangeOfferSharesReceived" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="ibcp_ExchangeOfferConversionRatioNonAffiliatedHolder" abstract="false" name="ExchangeOfferConversionRatioNonAffiliatedHolder" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="ibcp_EquityInvestmentConversionRatio" abstract="false" name="EquityInvestmentConversionRatio" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="ibcp_InvestmentOwnedBalanceSharesValue" abstract="false" name="InvestmentOwnedBalanceSharesValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_AccumulatedOtherComprehensiveIncomeLossUnrealizedLossesOnSecuritiesTransferredToSecuritiesHeldToMaturityMember" abstract="true" name="AccumulatedOtherComprehensiveIncomeLossUnrealizedLossesOnSecuritiesTransferredToSecuritiesHeldToMaturityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_AccumulatedOtherComprehensiveIncomeLossDisproportionateTaxEffectsFromSecuritiesAvailableForSaleMember" abstract="true" name="AccumulatedOtherComprehensiveIncomeLossDisproportionateTaxEffectsFromSecuritiesAvailableForSaleMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_ReclassificationAdjustmentAccumulatedOtherComprehensiveIncomeAbstract" abstract="true" name="ReclassificationAdjustmentAccumulatedOtherComprehensiveIncomeAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_PercentageOfRevenueExcludedFromASU201409" abstract="false" name="PercentageOfRevenueExcludedFromASU201409" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ibcp_NumberOfRealEstateAssetsSold" abstract="false" name="NumberOfRealEstateAssetsSold" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="ibcp_ServiceChargesOnDepositsMember" abstract="true" name="ServiceChargesOnDepositsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_OverdraftFeesMember" abstract="true" name="OverdraftFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_AccountServiceChargesMember" abstract="true" name="AccountServiceChargesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_OtherDepositRelatedIncomeMember" abstract="true" name="OtherDepositRelatedIncomeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_ATMFeesMember" abstract="true" name="ATMFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_OtherMember" abstract="true" name="OtherMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_InterchangeIncomeMember" abstract="true" name="InterchangeIncomeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_InvestmentAndInsuranceCommissionsMember" abstract="true" name="InvestmentAndInsuranceCommissionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_AssetManagementRevenueMember" abstract="true" name="AssetManagementRevenueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_TransactionBasedRevenueMember" abstract="true" name="TransactionBasedRevenueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_CustomerRetailMember" abstract="true" name="CustomerRetailMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_CustomerBusinessMember" abstract="true" name="CustomerBusinessMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_NoninterestIncomeOtherOperatingIncomeOther" abstract="false" name="NoninterestIncomeOtherOperatingIncomeOther" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFour" abstract="false" name="LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_InterestIncomeSecuritiesOperatingTaxableAndTaxExempt" abstract="false" name="InterestIncomeSecuritiesOperatingTaxableAndTaxExempt" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_NoninterestIncomeOtherOperatingIncomeAdjusted" abstract="false" name="NoninterestIncomeOtherOperatingIncomeAdjusted" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_OtherNoninterestExpenseAdjusted" abstract="false" name="OtherNoninterestExpenseAdjusted" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_HCBFinancialCorp.Member" abstract="true" name="HCBFinancialCorp.Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ibcp_BusinessCombinationTerminationFee" abstract="false" name="BusinessCombinationTerminationFee" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
