MACKINAC FINANCIAL CORP /MI/

Mackinac Financial Corp positions itself as a Michigan-focused financial services company that marries traditional community banking with commercial lending support for small businesses, agri operations, and households across the Upper Peninsula and northern Lower Peninsula; its core products include deposit accounts, mortgage lending, and treasury management tailored to the needs of family-owned enterprises, municipalities, and professionals who value high-touch advice and local credit decisions. Under the SIC 6021 commercial banks designation, it operates within a heavily regulated environment overseen by e.g. the Federal Reserve and FDIC, which shapes capital planning, liquidity buffers, and compliance programs while also exposing shareholders to cyclical interest-rate shifts, credit migration among regional borrowers, and concentrated depositor bases. With financing of municipal infrastructure, working capital lines, and mortgage portfolios on its balance sheet, the firm remains attentive to loan portfolio diversification, regulatory audits, and the unknown status of its most recent SEC filing; CIK 36506 stays on the radar of analysts and depositors alike, so view live SEC filings on Earnings Feed.

Source: Earnings Feed research · last updated 11/24/2025