ZIP profile

Banking access in ZIP 49421

Michigan · Oceana MI. Source year 2025.

Potential-desert dominant

The published Financial Access Pressure Index is 31.5392. 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 index31.5392
National pressure rank#2,351 of 20,307
National percentile86.0
State pressure rank#79 of 742
State percentile88.27
Weighted banking-desert geography3.79%
Weighted potential-desert geography55.50%
Population banking-desert exposure3.74%
Population potential-desert exposure64.14%
Allocated population5,336.70
Allocated population in banking deserts199.51

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-Hispanic43.091.413.28%LIMITED
Asian non-Hispanic15.041.7711.76%LIMITED
Black non-Hispanic23.483.6715.63%LIMITED
Residents with disabilities1,039.1435.033.37%STANDARD
Hispanic302.712.700.89%LIMITED
Older residents1,003.8741.304.11%STANDARD
Other race non-Hispanic5.970.447.40%LIMITED
People of color464.0514.643.15%LIMITED
Two or more races non-Hispanic73.754.646.30%LIMITED
White non-Hispanic4,872.65184.873.79%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.

Metro association unavailable in this source. No city-level authority is included in this export.

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 →