ZIP profile

Banking access in ZIP 48631

Michigan · Bay MI. Source year 2025.

Non-desert with desert exposure

The published Financial Access Pressure Index is 38.7984. Higher values indicate more measured physical banking-access pressure. This measure does not identify bank branches, drive-through hours, individual banking behavior, or overall neighborhood quality.

Banking-access measures

Pressure index38.7984
National pressure rank#1,968 of 20,307
National percentile87.9
State pressure rank#62 of 742
State percentile90.57
Weighted banking-desert geography38.80%
Weighted potential-desert geography0.00%
Population banking-desert exposure43.65%
Population potential-desert exposure0.00%
Allocated population4,565.21
Allocated population in banking deserts1,992.59

Geographic shares and population shares use different denominators. Published ranks and percentiles are preserved, including ties. Population estimates are displayed to two decimals; exact source values are in the downloads.

People & financial access

Estimated population-group exposure to banking-desert geography. These are allocated estimates, not counts of unbanked people. Groups overlap and must not be added together.

Population groupRepresented estimateExposed estimateExposure shareEvidence tier
American Indian / Alaska Native non-Hispanic3.500.000.00%LIMITED
Asian non-Hispanic2.522.4095.52%LIMITED
Black non-Hispanic0.110.000.00%LIMITED
Residents with disabilities599.71313.0352.20%LIMITED
Hispanic99.5840.8741.04%LIMITED
Older residents964.23334.6634.71%LIMITED
Other race non-Hispanic0.000.00UnavailableNOT_AVAILABLE
People of color133.0350.4937.95%LIMITED
Two or more races non-Hispanic27.327.2126.40%LIMITED
White non-Hispanic4,432.181,942.1143.82%STANDARD

Evidence tiers are passed through from the source. Missing ranks or rates remain unavailable. A zero exposure share does not guarantee that a branch is open or nearby.

Source year: 2025 in the governed ZIP profile view. Exported October 13, 2026; the export date is not an observation date. Population figures are allocated estimates; groups can overlap. Sources and interpretation →