ZIP profile

Banking access in ZIP 48650

Michigan · Bay MI. Source year 2025.

Non-desert with desert exposure

The published Financial Access Pressure Index is 30.4085. 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 index30.4085
National pressure rank#2,405 of 20,307
National percentile85.74
State pressure rank#86 of 742
State percentile87.33
Weighted banking-desert geography18.93%
Weighted potential-desert geography22.97%
Population banking-desert exposure11.63%
Population potential-desert exposure32.12%
Allocated population6,971.25
Allocated population in banking deserts810.88

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-Hispanic23.951.787.44%LIMITED
Asian non-Hispanic0.930.000.00%LIMITED
Black non-Hispanic39.200.360.91%LIMITED
Residents with disabilities895.33128.5614.36%LIMITED
Hispanic85.2310.6812.54%LIMITED
Older residents1,450.39187.3212.92%STANDARD
Other race non-Hispanic1.421.42100.00%LIMITED
People of color299.1928.139.40%LIMITED
Two or more races non-Hispanic148.4513.899.36%LIMITED
White non-Hispanic6,672.07782.7511.73%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 →