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  <xs:element id="ibcp_OtherDepositRelatedIncomeMember" abstract="true" name="OtherDepositRelatedIncomeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <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_CreditScoresByLoanClassAbstract" abstract="true" name="CreditScoresByLoanClassAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_PrivateLabelMortgageBackedWithoutSingleMaturityDateAmortizedCostBasis" abstract="false" name="PrivateLabelMortgageBackedWithoutSingleMaturityDateAmortizedCostBasis" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_FICOScore700To749Member" abstract="true" name="FICOScore700To749Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ibcp_LongTermIncentivePlanMember" abstract="true" name="LongTermIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ibcp_NonVestedRestrictedStockAndPerformanceStockUnitsMember" abstract="true" name="NonVestedRestrictedStockAndPerformanceStockUnitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ibcp_ReciprocalDepositsIncludedInDepositsWithStatedMaturity" abstract="false" name="ReciprocalDepositsIncludedInDepositsWithStatedMaturity" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_FICOScore650To699Member" abstract="true" name="FICOScore650To699Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ibcp_CustomerBusinessMember" abstract="true" name="CustomerBusinessMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ibcp_HeldToMaturityPrivateLabelMortgageBackedWithoutSingleMaturityDateAmortizedCostBasis" abstract="false" name="HeldToMaturityPrivateLabelMortgageBackedWithoutSingleMaturityDateAmortizedCostBasis" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_CapitalizedMortgageLoanServicingRightsFairValueDisclosure" abstract="false" name="CapitalizedMortgageLoanServicingRightsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_InterchangeIncome" abstract="false" name="InterchangeIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_CollateralDependentLoansValuationAllowance" abstract="false" name="CollateralDependentLoansValuationAllowance" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_ProvisionForLossReimbursementOnSoldLoans" abstract="false" name="ProvisionForLossReimbursementOnSoldLoans" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_HeldToMaturityGovernmentAgencyResidentialMortgageBackedWithoutSingleMaturityDateAmortizedCostBasis" abstract="false" name="HeldToMaturityGovernmentAgencyResidentialMortgageBackedWithoutSingleMaturityDateAmortizedCostBasis" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_FICOScore500To549Member" abstract="true" name="FICOScore500To549Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ibcp_OtherCollateralLoanMember" abstract="true" name="OtherCollateralLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ibcp_OtherAssetBackedDebtMaturitiesWithoutSingleMaturityDateFairValue" abstract="false" name="OtherAssetBackedDebtMaturitiesWithoutSingleMaturityDateFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_VISAClassAStockMember" abstract="true" name="VISAClassAStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ibcp_Family14OwnerOccupiedNonJumboMember" abstract="true" name="Family14OwnerOccupiedNonJumboMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ibcp_HeldToMaturityOtherAssetBackedWithoutSingleMaturityDateAmortizedCostBasis" abstract="false" name="HeldToMaturityOtherAssetBackedWithoutSingleMaturityDateAmortizedCostBasis" 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_NonWatch16Member" abstract="true" name="NonWatch16Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ibcp_StockUnitsForDeferredCompensationPlanForNonEmployeeDirectors" abstract="false" name="StockUnitsForDeferredCompensationPlanForNonEmployeeDirectors" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="ibcp_PercentageOfRevenueExcludedFromASU201409" abstract="false" name="PercentageOfRevenueExcludedFromASU201409" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ibcp_InvestmentOwnedBalanceToBeRecognizedRemainderOfFiscalYearPercentage" abstract="false" name="InvestmentOwnedBalanceToBeRecognizedRemainderOfFiscalYearPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ibcp_ATMFeesMember" abstract="true" name="ATMFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ibcp_NonAccrual1011Member" abstract="true" name="NonAccrual1011Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ibcp_AddDeductAbstract" abstract="true" name="AddDeductAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <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_CommercialAndIndustrialMember" abstract="true" name="CommercialAndIndustrialMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ibcp_TransactionBasedRevenueMember" abstract="true" name="TransactionBasedRevenueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <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_RecreationalVehicleLendingMember" abstract="true" name="RecreationalVehicleLendingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1: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_OtherAssetBackedWithoutSingleMaturityDateAmortizedCostBasis" abstract="false" name="OtherAssetBackedWithoutSingleMaturityDateAmortizedCostBasis" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_CommercialRealEstateLoanMember" abstract="true" name="CommercialRealEstateLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ibcp_DebtSecuritiesHeldToMaturityAmortizedCostBeforeAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateYearOne" abstract="false" name="DebtSecuritiesHeldToMaturityAmortizedCostBeforeAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateYearOne" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_CurrentExpectedCreditLoss" abstract="false" name="CurrentExpectedCreditLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_MeasurementInputFloatRateMember" abstract="true" name="MeasurementInputFloatRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ibcp_CreditQualityExternallyCreditRatedAndNonRatedSecuritiesMember" abstract="true" name="CreditQualityExternallyCreditRatedAndNonRatedSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ibcp_AmortizedCostOfCollateralDependentLoansByClassTableTextBlock" abstract="false" name="AmortizedCostOfCollateralDependentLoansByClassTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ibcp_InvestmentAndInsuranceCommissionsMember" abstract="true" name="InvestmentAndInsuranceCommissionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <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_DebtSecuritiesHeldToMaturityAmortizedCostBeforeAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYearOneThroughFive" abstract="false" name="DebtSecuritiesHeldToMaturityAmortizedCostBeforeAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYearOneThroughFive" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_PerformanceSharesPerformanceFeaturePeriodOfComparison" abstract="false" name="PerformanceSharesPerformanceFeaturePeriodOfComparison" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="ibcp_PrivateLabelMortgageBackedDebtMaturitiesWithoutSingleMaturityDateFairValue" abstract="false" name="PrivateLabelMortgageBackedDebtMaturitiesWithoutSingleMaturityDateFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_ReciprocalDeposits" abstract="false" name="ReciprocalDeposits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_InterchangeIncomeMember" abstract="true" name="InterchangeIncomeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ibcp_GovernmentAgencyCommercialMortgageBackedWithoutSingleMaturityDateAmortizedCostBasis" abstract="false" name="GovernmentAgencyCommercialMortgageBackedWithoutSingleMaturityDateAmortizedCostBasis" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_DerivativeFinancialInstrumentsAccordingToTypeOfHedgeDesignationTableTextBlock" abstract="false" name="DerivativeFinancialInstrumentsAccordingToTypeOfHedgeDesignationTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ibcp_FICOScore550To599Member" abstract="true" name="FICOScore550To599Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <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_PresentValueOfNetServicingRevenueMember" abstract="true" name="PresentValueOfNetServicingRevenueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ibcp_LesseeOperatingLeaseBalanceSheetInformationTableTextBlock" abstract="false" name="LesseeOperatingLeaseBalanceSheetInformationTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ibcp_SharesIssuesInPlaceOfRetainerFees" abstract="false" name="SharesIssuesInPlaceOfRetainerFees" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="ibcp_HeldToMaturityGovernmentAgencyCommercialMortgageBackedWithoutSingleMaturityDateAmortizedCostBasis" abstract="false" name="HeldToMaturityGovernmentAgencyCommercialMortgageBackedWithoutSingleMaturityDateAmortizedCostBasis" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" 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_HeldToMaturityOtherAssetMortgageBackedDebtMaturitiesWithoutSingleMaturityDateFairValue" abstract="false" name="HeldToMaturityOtherAssetMortgageBackedDebtMaturitiesWithoutSingleMaturityDateFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_DebtSecuritiesHeldToMaturityAmortizedCostBeforeAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear10" abstract="false" name="DebtSecuritiesHeldToMaturityAmortizedCostBeforeAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear10" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_EffectOfDerivativeFinancialInstrumentsOnCondensedConsolidatedFinancialStatementsOfOperationsAbstract" abstract="true" name="EffectOfDerivativeFinancialInstrumentsOnCondensedConsolidatedFinancialStatementsOfOperationsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_VISAClassBMember" abstract="true" name="VISAClassBMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ibcp_ShareBasedPaymentArrangementRestrictedStockAndPerformanceStockUnitsGrantedTableTextBlock" abstract="false" name="ShareBasedPaymentArrangementRestrictedStockAndPerformanceStockUnitsGrantedTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ibcp_ResortLendingMember" abstract="true" name="ResortLendingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ibcp_GovernmentAgencyCommercialMortgageBackedDebtMaturitiesWithoutSingleMaturityDateFairValue" abstract="false" name="GovernmentAgencyCommercialMortgageBackedDebtMaturitiesWithoutSingleMaturityDateFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_FinancingReceivableAccruedInterestCurrentFiscalYear" abstract="false" name="FinancingReceivableAccruedInterestCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_AggregateIntrinsicValueAbstract" abstract="true" name="AggregateIntrinsicValueAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_NumberOfRealEstateAssetsSold" abstract="false" name="NumberOfRealEstateAssetsSold" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="ibcp_MeasurementInputAncillaryIncomeMember" abstract="true" name="MeasurementInputAncillaryIncomeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ibcp_AccumulatedOtherComprehensiveIncomeLossDisproportionateTaxEffectsFromSecuritiesAvailableForSaleMember" abstract="true" name="AccumulatedOtherComprehensiveIncomeLossDisproportionateTaxEffectsFromSecuritiesAvailableForSaleMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ibcp_CostsRecoveriesRelatedToUnfundedLendingCommitments" abstract="false" name="CostsRecoveriesRelatedToUnfundedLendingCommitments" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_SharesIssuedOnDeferralBasisCreditedPercentageOfCurrentValue" abstract="false" name="SharesIssuedOnDeferralBasisCreditedPercentageOfCurrentValue" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="ibcp_InstallmentOtherMember" abstract="true" name="InstallmentOtherMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ibcp_AccumulatedOtherComprehensiveIncomeLossUnrealizedLossesOnSecuritiesTransferredToSecuritiesHeldToMaturityMember" abstract="true" name="AccumulatedOtherComprehensiveIncomeLossUnrealizedLossesOnSecuritiesTransferredToSecuritiesHeldToMaturityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ibcp_InstallmentPortfolioSegmentMember" abstract="true" name="InstallmentPortfolioSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ibcp_IndependentBankMember" abstract="true" name="IndependentBankMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ibcp_HeldToMaturityGovernmentAgencyResidentialMortgageBackedDebtMaturitiesWithoutSingleMaturityDateFairValue" abstract="false" name="HeldToMaturityGovernmentAgencyResidentialMortgageBackedDebtMaturitiesWithoutSingleMaturityDateFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_PastDuePeriodForModifiedLoans" abstract="false" name="PastDuePeriodForModifiedLoans" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="ibcp_MeasurementInputCostToServiceApproachMember" abstract="true" name="MeasurementInputCostToServiceApproachMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ibcp_ExternalCreditRatingAgencyNonRatedMemberMember" abstract="true" name="ExternalCreditRatingAgencyNonRatedMemberMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1: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_ImpairedLoansMeasurementInput" abstract="false" name="ImpairedLoansMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="ibcp_ComponentsOfRegulatoryCapitalTableTextBlock" abstract="false" name="ComponentsOfRegulatoryCapitalTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="ibcp_Family14Member" abstract="true" name="Family14Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ibcp_LoanAndCollection" abstract="false" name="LoanAndCollection" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_FICOScore750To799Member" abstract="true" name="FICOScore750To799Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ibcp_OverdraftFeesMember" abstract="true" name="OverdraftFeesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ibcp_DebtSecuritiesHeldToMaturityAmortizedCostBeforeAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear5Through10" abstract="false" name="DebtSecuritiesHeldToMaturityAmortizedCostBeforeAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear5Through10" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_BoatLendingMember" abstract="true" name="BoatLendingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ibcp_CapitalizedMortgageLoanServicingRightsMember" abstract="true" name="CapitalizedMortgageLoanServicingRightsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ibcp_DomesticDepositSavingsNoStatedMaturity" abstract="false" name="DomesticDepositSavingsNoStatedMaturity" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_RetainedEarningsAccumulatedDeficitSubsidiary" abstract="false" name="RetainedEarningsAccumulatedDeficitSubsidiary" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_AdditionsDeductionsAbstract" abstract="true" name="AdditionsDeductionsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_InterestRateSwapNoncommercialMember" abstract="true" name="InterestRateSwapNoncommercialMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <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_FinancingReceivableAccruedInterestMoreThanFiveYearsBeforeCurrentFiscalYear" abstract="false" name="FinancingReceivableAccruedInterestMoreThanFiveYearsBeforeCurrentFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_CommercialLoanPortfolioSegmentExcludingRealEstatePortfolioSegmentMember" abstract="true" name="CommercialLoanPortfolioSegmentExcludingRealEstatePortfolioSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ibcp_FairValuesOfFinancialInstrumentsAbstract" abstract="true" name="FairValuesOfFinancialInstrumentsAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_AgingAnalysisOfLoansByClassAbstract" abstract="true" name="AgingAnalysisOfLoansByClassAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ibcp_NetIncreaseDecreaseOfPortfolioLoansOriginatedNetOfPrincipalPayments" abstract="false" name="NetIncreaseDecreaseOfPortfolioLoansOriginatedNetOfPrincipalPayments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_DebtSecuritiesHeldToMaturityAmortizedCostBeforeAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDate" abstract="false" name="DebtSecuritiesHeldToMaturityAmortizedCostBeforeAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDate" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ibcp_WeightedAverageNumberOfPerformanceSharesStock" abstract="false" name="WeightedAverageNumberOfPerformanceSharesStock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="ibcp_DataProcessing" abstract="false" name="DataProcessing" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <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_Family14NonOwnerOccupiedMember" abstract="true" name="Family14NonOwnerOccupiedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="ibcp_DebtSecuritiesHeldToMaturityDefaultedNumberOfSecurities" abstract="false" name="DebtSecuritiesHeldToMaturityDefaultedNumberOfSecurities" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <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_CollateralDependentLoansFairValue" abstract="false" name="CollateralDependentLoansFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
