ZIP profile

Banking access in ZIP 48640

Michigan · Midland MI. Source year 2025.

Non-desert with desert exposure

The published Financial Access Pressure Index is 19.0455. 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 index19.0455
National pressure rank#3,270 of 20,307
National percentile81.44
State pressure rank#119 of 742
State percentile82.88
Weighted banking-desert geography18.87%
Weighted potential-desert geography0.36%
Population banking-desert exposure21.48%
Population potential-desert exposure0.23%
Allocated population31,728.92
Allocated population in banking deserts6,815.97

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-Hispanic85.3424.3128.48%LIMITED
Asian non-Hispanic534.543.210.60%LIMITED
Black non-Hispanic735.00125.7817.11%LIMITED
Residents with disabilities4,576.261,201.3726.25%STANDARD
Hispanic1,029.36197.9919.23%STANDARD
Older residents5,534.481,109.5920.05%HIGH
Other race non-Hispanic16.851.378.11%LIMITED
People of color3,129.95537.0317.16%STANDARD
Two or more races non-Hispanic724.40184.3625.45%LIMITED
White non-Hispanic28,598.976,278.9421.96%HIGH

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 →