Mercantile Bank operates as the bank holding company for Mercantile Bank of Michigan that provides commercial banking services for small- to medium-sized businesses and individuals. It accepts various deposit products, including checking, savings and term certificate accounts, time deposits, certificates of deposit, as well as repurchase agreements. The Company also offers commercial and industrial loans, vacant land, land development, residential construction loans, owner occupied real estate, non-owner occupied real estate, multi-family and residential rental property loans, single-family residential real estate loans, home equity line of credit programs, and consumer loans, such as loans for new and used automobiles, boats and credit cards, as well as overdraft protection for its checking account customers.