MFNC / Mackinac Financial Corp. - Depositi SEC, Relazione annuale, dichiarazione di delega

Mackinac Financial Corp.
US ˙ NASDAQ ˙ US5545711096
QUESTO SIMBOLO NON E' PIU' ATTIVO

Statistiche di base
CIK 36506
SEC Filings
All companies that sell securities in the United States must register with the Securities and Exchange Commission (SEC) and file reports on a regular basis. These reports include company annual reports (10K, 10Q), news updates (8K), investor presentations (found in 8Ks), insider trades (form 4), ownership reports (13D, and 13G), and reports related to the specific securities sold, such as registration statements and prospectus. This page shows recent SEC filings related to Mackinac Financial Corp.
SEC Filings (Chronological Order)
Questa pagina fornisce un elenco completo e cronologico dei depositi SEC, esclusi i documenti di proprietà che forniamo altrove.
September 13, 2021 15-12G

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 15 CERTIFICATION AND NOTICE OF TERMINATION OF REGISTRATION UNDER SECTION 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR SUSPENSION OF DUTY TO FILE REPORTS UNDER SECTIONS 13

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 15 CERTIFICATION AND NOTICE OF TERMINATION OF REGISTRATION UNDER SECTION 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR SUSPENSION OF DUTY TO FILE REPORTS UNDER SECTIONS 13 AND 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934. MACKINAC FINANCIAL CORPORATION (NICOLET BANKSHARES, INC., as successor by merger to MACKINAC FINANC

September 7, 2021 S-8 POS

As filed with the Securities and Exchange Commission on September 7, 2021.

As filed with the Securities and Exchange Commission on September 7, 2021. Registration No. 333-183199 Registration No. 333-150313 Registration No. 333-76180 Registration No. 333-75961 Registration No. 333-75959 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 POST-EFFECTIVE AMENDMENT NO. 1 (No. 333-183199) POST-EFFECTIVE AMENDMENT NO. 1 (No. 333-150313) POST-EFFECTIVE AMENDME

September 7, 2021 S-8 POS

As filed with the Securities and Exchange Commission on September 7, 2021.

S-8 POS 1 tm2127018d5s8pos.htm S-8 POS As filed with the Securities and Exchange Commission on September 7, 2021. Registration No. 333-183199 Registration No. 333-150313 Registration No. 333-76180 Registration No. 333-75961 Registration No. 333-75959 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 POST-EFFECTIVE AMENDMENT NO. 1 (No. 333-183199) POST-EFFECTIVE AMENDMENT NO. 1

September 7, 2021 S-8 POS

As filed with the Securities and Exchange Commission on September 7, 2021.

S-8 POS 1 tm2127018d7s8pos.htm S-8 POS As filed with the Securities and Exchange Commission on September 7, 2021. Registration No. 333-183199 Registration No. 333-150313 Registration No. 333-76180 Registration No. 333-75961 Registration No. 333-75959 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 POST-EFFECTIVE AMENDMENT NO. 1 (No. 333-183199) POST-EFFECTIVE AMENDMENT NO. 1

September 7, 2021 S-8 POS

As filed with the Securities and Exchange Commission on September 7, 2021.

S-8 POS 1 tm2127018d4s8pos.htm S-8 POS As filed with the Securities and Exchange Commission on September 7, 2021. Registration No. 333-183199 Registration No. 333-150313 Registration No. 333-76180 Registration No. 333-75961 Registration No. 333-75959 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 POST-EFFECTIVE AMENDMENT NO. 1 (No. 333-183199) POST-EFFECTIVE AMENDMENT NO. 1

September 7, 2021 S-8 POS

As filed with the Securities and Exchange Commission on September 7, 2021.

S-8 POS 1 tm2127018d3s8pos.htm S-8 POS As filed with the Securities and Exchange Commission on September 7, 2021. Registration No. 333-183199 Registration No. 333-150313 Registration No. 333-76180 Registration No. 333-75961 Registration No. 333-75959 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 POST-EFFECTIVE AMENDMENT NO. 1 (No. 333-183199) POST-EFFECTIVE AMENDMENT NO. 1

September 7, 2021 8-K

Changes in Control of Registrant, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Material Modification to Rights of Security Holders, Notice of Delisting or Failure to Satisfy a Continued Listing Rule or Standard; Transfer of Listing, Financial Statements and Exhibits, Completion of Acquisition or Disposition of Assets, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 3, 2021 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (NICOLET BANKSHARES, INC., as successor by merger to MACKINAC FI

September 7, 2021 POS AM

As filed with the Securities and Exchange Commission on September 7, 2021

POS AM 1 tm2127018d2posam.htm POS AM As filed with the Securities and Exchange Commission on September 7, 2021 Registration No. 333-224884 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 POST-EFFECTIVE AMENDMENT NO. 1 (NO. 333-224884) TO FORM S-3 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 MACKINAC FINANCIAL CORPORATION (NICOLET BANKSHARES, INC., as successor by m

August 11, 2021 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents mac ? UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

July 22, 2021 EX-99

MACKINAC FINANCIAL CORPORATION REPORTS 2021 SECOND quarter FINANCIAL Results

Exhibit 99 PRESS RELEASE For Release: July 22, 2021 Nasdaq: MFNC Contact: Jesse A.

July 22, 2021 8-K

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 22, 2021 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) michigan 0-20

July 16, 2021 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 15, 2021 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) michigan 0-20

June 21, 2021 EX-99.1

MACKINAC FINANCIAL CORPORATION DECLARES CASH DIVIDEND ON COMMON STOCK

Exhibit 99.1 PRESS RELEASE MACKINAC FINANCIAL CORPORATION DECLARES CASH DIVIDEND ON COMMON STOCK For Release: June 18, 2021 Nasdaq: MFNC Contact: Jesse A. Deering, (248) 290-5906 /[email protected] Website: www.bankmbank.com Manistique, Michigan ? Mackinac Financial Corporation (Nasdaq: MFNC), the bank holding company for mBank (the ?Bank?), announced the approval of a cash dividend by its Bo

June 21, 2021 8-K

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 18, 2021 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) michigan 0-20

June 9, 2021 DEFM14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Information Required in Proxy Statement Schedule 14A Information Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

TABLE OF CONTENTS UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Information Required in Proxy Statement Schedule 14A Information Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? ? Confidential, for U

May 25, 2021 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 25, 2021 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) michigan 0-201

May 14, 2021 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents mac ? UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

April 29, 2021 8-K

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 29, 2021 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) michigan 0-2

April 29, 2021 EX-99

MACKINAC FINANCIAL CORPORATION REPORTS 2021 FIRST quarter FINANCIAL Results

Exhibit 99 PRESS RELEASE For Release: April 29, 2021 Nasdaq: MFNC Contact: Jesse A.

April 23, 2021 SC 13G

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 Mackinac Financial Corp. (Name of Issuer) Common Stock, no par value per share (Title of Class of Securities) 554571109 (CUSIP Number) April 13, 2021 Date of Event which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which th

April 22, 2021 DEF 14A

- DEF 14A

Use these links to rapidly review the document TABLE OF CONTENTS Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

April 19, 2021 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 13, 2021 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) michigan 0-2

April 12, 2021 EX-99.1

Nicolet Bankshares, Inc. To Acquire Mackinac Financial Corporation

Exhibit 99.1 FOR IMMEDIATE RELEASE Nicolet Bankshares, Inc. To Acquire Mackinac Financial Corporation GREEN BAY, WI and MANISTIQUE, MI, April 12, 2021– Nicolet Bankshares, Inc. (NASDAQ: NCBS) (“Nicolet”) and Mackinac Financial Corporation (NASDAQ: MFNC) (“Mackinac”) today jointly announced the execution of a definitive merger agreement, pursuant to which Nicolet will acquire Mackinac and its wholl

April 12, 2021 EX-2.1

Agreement and Plan of Merger between Nicolet Bankshares, Inc. and Mackinac Financial Corporation dated April 12, 2021

Exhibit 2.1 EXECUTION COPY Agreement and Plan of Merger by and between Nicolet Bankshares, Inc. and Mackinac Financial Corporation April 12, 2021 Table of Contents Article 1 THE MERGER 1 Section 1.1 The Merger 1 Section 1.2 Effective Time; Closing 1 Section 1.3 Effects of the Merger 2 Section 1.4 Organizational Documents of the Surviving Entity 2 Section 1.5 Directors and Officers of the Surviving

April 12, 2021 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 12, 2021 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) michigan 0-2

April 12, 2021 425

Merger Prospectus - 425

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 12, 2021 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) michigan 0-2

March 30, 2021 EX-99.1

MACKINAC FINANCIAL CORPORATION DECLARES CASH DIVIDEND ON COMMON STOCK

Exhibit 99.1 PRESS RELEASE MACKINAC FINANCIAL CORPORATION DECLARES CASH DIVIDEND ON COMMON STOCK For Release: March 30, 2021 Nasdaq: MFNC Contact: Jesse A. Deering, (248) 290-5906 /[email protected] Website: www.bankmbank.com Manistique, Michigan – Mackinac Financial Corporation (Nasdaq: MFNC), the bank holding company for mBank (the “Bank”), announced the approval of a cash dividend by its B

March 30, 2021 8-K

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 30, 2021 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) michigan 0-2

March 12, 2021 10-K

Annual Report - 10-K

Table of Contents ? ? UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

March 12, 2021 EX-21

Subsidiaries of the Corporation

? Exhibit 21 ? Subsidiaries of Mackinac Financial Corporation ? First Manistique Agency, Inc.

March 12, 2021 EX-10.6

Form of Restricted Stock Award Agreement under the Mackinac Financial Corporation 2012 Incentive Compensation Plan**

Exhibit 10.6 MACKINAC FINANCIAL CORPORATION 2012 INCENTIVE COMPENSATION PLAN FORM OF RESTRICTED STOCK AWARD AGREEMENT ? Mackinac Financial Corporation, a Michigan corporation (the ?Company?), as permitted by the Mackinac Financial Corporation 2012 Incentive Compensation Plan (the ?Plan?), hereby grants to the individual named below (the ?Participant?), a Restricted Stock Award (this ?Award?) for t

March 12, 2021 EX-4.1

Description of Securities

Exhibit 4.1 DESCRIPTION OF THE REGISTRANT?S SECURITIES REGISTERED PURSUANT TO SECTION 12 OF THE SECURITIES EXCHANGE ACT OF 1934 ? As of March 10, 2021, Mackinac Financial Corporation had one class of common stock registered under Section 12 of the Securities Exchange Act of 1934, as amended (the ?Exchange Act?). ? The following description of our common stock is a summary and does not purport to b

January 29, 2021 8-K

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 28, 2021 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) michigan 0

January 29, 2021 EX-99

MACKINAC FINANCIAL CORPORATION REPORTS 2020 Fourth quarter and Annual Results

Exhibit 99 PRESS RELEASE For Release: January 28, 2021 Nasdaq: MFNC Contact: Jesse A.

December 15, 2020 EX-99.1

MACKINAC FINANCIAL CORPORATION DECLARES CASH DIVIDEND ON COMMON STOCK

Exhibit 99.1 PRESS RELEASE MACKINAC FINANCIAL CORPORATION DECLARES CASH DIVIDEND ON COMMON STOCK For Release: December 15, 2020 Nasdaq: MFNC Contact: Jesse A. Deering, (248) 290-5906 /[email protected] Website: www.bankmbank.com Manistique, Michigan – Mackinac Financial Corporation (Nasdaq: MFNC), the bank holding company for mBank (the “Bank”), announced the approval of a cash dividend by it

December 15, 2020 8-K

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): December 15, 2020 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) michigan

November 9, 2020 10-Q

Quarterly Report - 10-Q

Table of Contents mac UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

October 29, 2020 8-K

Results of Operations and Financial Condition - FORM 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 29, 2020 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) michigan 0

October 29, 2020 EX-99

MACKINAC FINANCIAL CORPORATION REPORTS 2020 THIRD quarter Results AND COVID-19 OPERATING UPDATE

Exhibit 99 PRESS RELEASE For Release: October 29, 2020 Nasdaq: MFNC Contact: Jesse A.

September 21, 2020 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 21, 2020 MACKINAC FINAN

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 21, 2020 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) michigan

September 21, 2020 EX-99.1

MACKINAC FINANCIAL CORPORATION DECLARES CASH DIVIDEND ON COMMON STOCK

Exhibit 99.1 PRESS RELEASE MACKINAC FINANCIAL CORPORATION DECLARES CASH DIVIDEND ON COMMON STOCK For Release: September 21, 2020 Nasdaq: MFNC Contact: Jesse A. Deering, (248) 290-5906 /[email protected] Website: www.bankmbank.com Manistique, Michigan – Mackinac Financial Corporation (Nasdaq: MFNC), the bank holding company for mBank (the “Bank”), announced the approval of a cash dividend by i

August 10, 2020 10-Q

Quarterly Report - 10-Q

Table of Contents mac UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

July 30, 2020 EX-99

MACKINAC FINANCIAL CORPORATION REPORTS 2020 SECOND quarter Results AND COVID-19 PROGRESS

Exhibit 99 PRESS RELEASE For Release: July 30, 2020 Nasdaq: MFNC Contact: Jesse A.

July 30, 2020 8-K

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 30, 2020 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) michigan 0-20

June 26, 2020 11-K

- 11-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K x ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2019 OR o TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from <> to <> Commission file number: 0-20167 A. Full title o

June 22, 2020 EX-99.1

MACKINAC FINANCIAL CORPORATION DECLARES CASH DIVIDEND ON COMMON STOCK

Exhibit 99.1 PRESS RELEASE MACKINAC FINANCIAL CORPORATION DECLARES CASH DIVIDEND ON COMMON STOCK For Release: June 22, 2020 Nasdaq: MFNC Contact: Jesse A. Deering, (248) 290-5906 /[email protected] Website: www.bankmbank.com Manistique, Michigan – Mackinac Financial Corporation (Nasdaq: MFNC), the bank holding company for mBank (the “Bank”), announced the approval of a cash dividend by its Bo

June 22, 2020 8-K

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 22, 2020 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) MICHIGAN 0-20

May 27, 2020 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 27, 2020 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) MICHIGAN 0-201

May 11, 2020 10-Q

Quarterly Report - 10-Q

Table of Contents mac UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

May 1, 2020 EX-99

MACKINAC FINANCIAL CORPORATION REPORTS 2020 FIRST quarter Results AND PRovides COVID-19 UPDATE

Exhibit 99 PRESS RELEASE For Release: April 30, 2020 Nasdaq: MFNC Contact: Jesse A.

May 1, 2020 8-K

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 30, 2020 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) MICHIGAN 0-2

April 22, 2020 DEF 14A

MFNC / Mackinac Financial Corp. DEF 14A - - DEF 14A

Use these links to rapidly review the document TABLE OF CONTENTS Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

March 31, 2020 8-K

Regulation FD Disclosure

8-K 1 tm2014314-18k.htm FORM 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 31, 2020 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as speci

March 31, 2020 EX-99.1

MACKINAC FINANCIAL CORPORATION DECLARES CASH DIVIDEND ON COMMON STOCK

Exhibit 99.1 PRESS RELEASE MACKINAC FINANCIAL CORPORATION DECLARES CASH DIVIDEND ON COMMON STOCK For Release: March 31, 2020 Nasdaq: MFNC Contact: Jesse A. Deering, (248) 290-5906 /[email protected] Website: www.bankmbank.com Manistique, Michigan – Mackinac Financial Corporation (Nasdaq: MFNC), the bank holding company for mBank (the “Bank”), announced the approval of a cash dividend by its B

March 12, 2020 EX-4.1

Description of Securities

Exhibit 4.1 DESCRIPTION OF THE REGISTRANT’S SECURITIES REGISTERED PURSUANT TO SECTION 12 OF THE SECURITIES EXCHANGE ACT OF 1934 As of March 12, 2020, Mackinac Financial Corporation had one class of common stock registered under Section 12 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”). The following description of our common stock is a summary and does not purport to be co

March 12, 2020 EX-21

Subsidiaries of the Corporation

Exhibit 21 Subsidiaries of Mackinac Financial Corporation First Manistique Agency, Inc.

March 12, 2020 10-K

MFNC / Mackinac Financial Corp. 10-K - Annual Report - 10-K

10-K 1 mfnc-20191231x10k.htm 10-K Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2019 OR ☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commissio

March 12, 2020 EX-10.6

Form of Restricted Stock Award Agreement under the Mackinac Financial Corporation 2012 Incentive Compensation Plan**

Exhibit 10.6 MACKINAC FINANCIAL CORPORATION 2012 INCENTIVE COMPENSATION PLAN FORM OF RESTRICTED STOCK AWARD AGREEMENT Mackinac Financial Corporation, a Michigan corporation (the “Company”), as permitted by the Mackinac Financial Corporation 2012 Incentive Compensation Plan (the “Plan”), hereby grants to the individual named below (the “Participant”), a Restricted Stock Award (this “Award”) for the

January 29, 2020 EX-99

MACKINAC FINANCIAL CORPORATION REPORTS 2019 Fourth quarter and Annual Results

EX-99 2 tm206083d1ex99.htm EXHIBIT 99 Exhibit 99 PRESS RELEASE For Release: January 29, 2020 Nasdaq: MFNC Contact: Jesse A. Deering, EVP & Chief Financial Officer (248) 290-5906 /[email protected] Website: www.bankmbank.com MACKINAC FINANCIAL CORPORATION REPORTS 2019 Fourth quarter and Annual Results Manistique, Michigan – Mackinac Financial Corporation (Nasdaq: MFNC) (the “Corporation”), the

January 29, 2020 8-K

Results of Operations and Financial Condition

8-K 1 tm206083d18k.htm FORM 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 29, 2020 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as spec

December 17, 2019 EX-99.1

MACKINAC FINANCIAL CORPORATION DECLARES CASH DIVIDEND ON COMMON STOCK

Exhibit 99.1 PRESS RELEASE MACKINAC FINANCIAL CORPORATION DECLARES CASH DIVIDEND ON COMMON STOCK For Release: December 17, 2019 Nasdaq: MFNC Contact: Jesse A. Deering, (248) 290-5906 /[email protected] Website: www.bankmbank.com Manistique, Michigan – Mackinac Financial Corporation (Nasdaq: MFNC), the bank holding company for mBank (the “Bank”), announced the approval of a cash dividend by it

December 17, 2019 8-K

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): December 17, 2019 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) MICHIGAN

November 8, 2019 10-Q

MFNC / Mackinac Financial Corp. 10-Q - Quarterly Report - 10-Q

Table of Contents mac UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

October 31, 2019 8-K

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 31, 2019 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) MICHIGAN 0

October 31, 2019 EX-99

MACKINAC FINANCIAL CORPORATION REPORTS 2019 THIRD QUARTER RESULTS

Exhibit 99 PRESS RELEASE For Release: October 31, 2019 Nasdaq: MFNC Contact: Jesse A.

September 17, 2019 8-K

Regulation FD Disclosure

8-K 1 a19-1874118k.htm 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 17, 2019 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specifi

September 17, 2019 EX-99.1

MACKINAC FINANCIAL CORPORATION DECLARES INCREASED CASH DIVIDEND ON COMMON STOCK FOR THIRD QUARTER 2019

Exhibit 99.1 PRESS RELEASE MACKINAC FINANCIAL CORPORATION DECLARES INCREASED CASH DIVIDEND ON COMMON STOCK FOR THIRD QUARTER 2019 For Release: September 17, 2019 Nasdaq: MFNC Contact: Jesse A. Deering, (248) 290-5906 /[email protected] Website: www.bankmbank.com Manistique, Michigan — Mackinac Financial Corporation (Nasdaq: MFNC), the bank holding company for mBank (the “Bank”), announced the

August 29, 2019 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 28, 2019 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) Michigan (S

August 29, 2019 EX-99.1

Mackinac Financial Corporation Announces Stock Buyback Program

Exhibit 99.1 For Release: August 28, 2019 Nasdaq: MFNC Contact: Jesse A. Deering, EVP & Chief Financial Officer (248) 290-5906/[email protected] Website: www.bankmbank.com Mackinac Financial Corporation Announces Stock Buyback Program Manistique, Michigan — Mackinac Financial Corporation (Nasdaq: MFNC) (the “Corporation”), the bank holding company for mBank, announced today that its Board of

August 9, 2019 10-Q

MFNC / Mackinac Financial Corp. 10-Q - Quarterly Report - 10-Q

10-Q 1 mfnc-20190630x10q.htm 10-Q Table of Contents mac UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2019 OR ☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from <> t

August 1, 2019 8-K

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): August 1, 2019 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) MICHIGAN 0-2

August 1, 2019 EX-99

MACKINAC FINANCIAL CORPORATION REPORTS 2019 SECOND QUARTER RESULTS

Exhibit 99 PRESS RELEASE For Release: August 1, 2019 Nasdaq: MFNC Contact: Jesse A.

June 27, 2019 11-K

MFNC / Mackinac Financial Corp. 11-K - - 11-K

11-K 1 a19-12217111k.htm 11-K Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K x ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2018 OR o TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from <> to <> Commission file n

June 18, 2019 8-K

Regulation FD Disclosure

8-K 1 a19-1171518k.htm 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 18, 2019 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in

June 18, 2019 EX-99.1

MACKINAC FINANCIAL CORPORATION DECLARES CASH DIVIDEND ON COMMON STOCK

Exhibit 99.1 PRESS RELEASE MACKINAC FINANCIAL CORPORATION DECLARES CASH DIVIDEND ON COMMON STOCK For Release: June 18, 2019 Nasdaq: MFNC Contact: Paul D. Tobias, (248) 290-5901/ [email protected] Jesse A. Deering, (248) 290-5906 /[email protected] Website: www.bankmbank.com Manistique, Michigan — Mackinac Financial Corporation (Nasdaq: MFNC), the bank holding company for mBank (the “Bank”

May 31, 2019 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 29, 2019 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) MICHIGAN 0-201

May 10, 2019 10-Q

MFNC / Mackinac Financial Corp. 10-Q Quarterly Report 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2019 OR ☐TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from <> to <> Commission file number: 0-20167 MACKINAC FIN

May 1, 2019 8-K

Results of Operations and Financial Condition

8-K 1 a19-926018k.htm 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 1, 2019 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in it

May 1, 2019 EX-99

MACKINAC FINANCIAL CORPORATION REPORTS 2019 FIRST QUARTER RESULTS

Exhibit 99 PRESS RELEASE For Release: May 1, 2019 Nasdaq: MFNC Contact: Jesse A. Deering, EVP & Chief Financial Officer (248) 290-5906 /[email protected] Website: www.bankmbank.com MACKINAC FINANCIAL CORPORATION REPORTS 2019 FIRST QUARTER RESULTS Manistique, Michigan – Mackinac Financial Corporation (Nasdaq: MFNC) (the “Corporation”), the bank holding company for mBank, today announced 2019 f

April 30, 2019 DEF 14A

MFNC / Mackinac Financial Corp. DEF 14A DEF 14A

Use these links to rapidly review the document TABLE OF CONTENTS Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

March 26, 2019 8-K

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 26, 2019 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) MICHIGAN 0-2

March 26, 2019 EX-99.1

MACKINAC FINANCIAL CORPORATION DECLARES CASH DIVIDEND ON COMMON STOCK

Exhibit 99.1 PRESS RELEASE MACKINAC FINANCIAL CORPORATION DECLARES CASH DIVIDEND ON COMMON STOCK For Release: March 26, 2019 Nasdaq: MFNC Contact: Paul D. Tobias, (248) 290-5901/ [email protected] Jesse A. Deering, (248) 290-5906 /[email protected] Website: www.bankmbank.com Manistique, Michigan — Mackinac Financial Corporation (Nasdaq: MFNC), the bank holding company for mBank (the “Bank

March 18, 2019 EX-21

Subsidiaries of the Corporation

Exhibit 21 Subsidiaries of Mackinac Financial Corporation First Manistique Agency, Inc.

March 18, 2019 10-K

MFNC / Mackinac Financial Corp. 10-K (Annual Report)

10-K 1 mfnc-20181231x10k.htm 10-K Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2018 OR ☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commissio

February 14, 2019 SC 13G/A

MFNC / Mackinac Financial Corp. / MANULIFE FINANCIAL CORP - AMENDMENT TO SCHEDULE FILED TO REPORT ACQUISITION OF BENEFICIAL OWNERSHIP Passive Investment

SC 13G/A 1 mackinac3545511-sc13ga.htm AMENDMENT TO SCHEDULE FILED TO REPORT ACQUISITION OF BENEFICIAL OWNERSHIP SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G (Amendment No. 1)* Under the Securities Exchange Act of 1934 Mackinac Financial Corporation (Name of Issuer) Common Stock (Title of Class of Securities) 554571109 (CUSIP Number) December 31, 2018 (Date of Event Which

February 8, 2019 SC 13G/A

MFNC / Mackinac Financial Corp. / DIMENSIONAL FUND ADVISORS LP - SCHEDULE 13G/A Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 3)* MACKINAC FINANCIAL CORP (Name of Issuer) Common Stock (Title of Class of Securities) 554571109 (CUSIP Number) December 31, 2018 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this

February 1, 2019 8-K

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 31, 2019 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) MICHIGAN 0

February 1, 2019 EX-99

MACKINAC FINANCIAL CORPORATION REPORTS 2018 FOURTH QUARTER AND ANNUAL RESULTS

Exhibit 99 PRESS RELEASE For Release: January 31, 2019 Nasdaq: MFNC Contact: Jesse A.

December 18, 2018 EX-99.1

MACKINAC FINANCIAL CORPORATION DECLARES CASH DIVIDEND ON COMMON STOCK

Exhibit 99.1 PRESS RELEASE MACKINAC FINANCIAL CORPORATION DECLARES CASH DIVIDEND ON COMMON STOCK For Release: December 18, 2018 Nasdaq: MFNC Contact: Paul D. Tobias, (248) 290-5901/ [email protected] Jesse A. Deering, (248) 290-5906 /[email protected] Website: www.bankmbank.com Manistique, Michigan — Mackinac Financial Corporation (Nasdaq: MFNC), the bank holding company for mBank (the “B

December 18, 2018 8-K

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): December 18, 2018 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) MICHIGAN

November 14, 2018 10-Q

MFNC / Mackinac Financial Corp. 10-Q (Quarterly Report)

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2018 OR ☐TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from <> to <> Commission file number: 0-20167 MACKINAC

October 31, 2018 EX-99

MACKINAC FINANCIAL CORPORATION REPORTS THIRD QUARTER 2018 RESULTS

Exhibit 99 PRESS RELEASE For Release: October 31, 2018 Nasdaq: MFNC Contact: Jesse A.

October 31, 2018 8-K

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 31, 2018 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) MICHIGAN 0

October 1, 2018 EX-99.1

2

Exhibit 99.1 Contacts: Kelly W. George President, Mackinac Financial Corporation & President & CEO, mBank Manistique, MI (906) 341 – 7140 [email protected] Jesse A. Deering Executive Vice President & CFO, Mackinac Financial Corporation and mBank Birmingham, MI (248) 290 – 5906 [email protected] Mackinac Financial Corporation Completes the Acquisition of Lincoln Community Bank FOR IMMEDIAT

October 1, 2018 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 1, 2018 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) Michigan (S

September 17, 2018 EX-99.1

MACKINAC FINANCIAL CORPORATION DECLARES CASH DIVIDEND ON COMMON STOCK

Exhibit 99.1 PRESS RELEASE MACKINAC FINANCIAL CORPORATION DECLARES CASH DIVIDEND ON COMMON STOCK For Release: September 17, 2018 Nasdaq: MFNC Contact: Paul D. Tobias, (248) 290-5901/ [email protected] Jesse A. Deering, (248) 290-5906 /[email protected] Website: www.bankmbank.com Manistique, Michigan — Mackinac Financial Corporation (Nasdaq: MFNC), the bank holding company for mBank (the “

September 17, 2018 8-K

Regulation FD Disclosure

8-K 1 a18-3104518k.htm 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 17, 2018 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specifi

August 14, 2018 10-Q

MFNC / Mackinac Financial Corp. 10-Q (Quarterly Report)

10-Q 1 mfnc-20180630x10q.htm 10-Q Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2018 OR ☐TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from <> to <> Commission

August 2, 2018 EX-99.1

MACKINAC FINANCIAL CORPORATION REPORTS SECOND QUARTER 2018 RESULTS INCLUDING IMPACT OF ACQUSITION ACTIVITY AND CAPITAL RAISE

Exhibit 99.1 PRESS RELEASE For Release: August 2, 2018 Nasdaq: MFNC Contact: Jesse A. Deering, (248) 290-5906 /[email protected] Paul D. Tobias, (248) 290-5900 / [email protected] Website: www.bankmbank.com MACKINAC FINANCIAL CORPORATION REPORTS SECOND QUARTER 2018 RESULTS INCLUDING IMPACT OF ACQUSITION ACTIVITY AND CAPITAL RAISE (Manistique, Michigan) – Mackinac Financial Corporation (Na

August 2, 2018 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 2, 2018 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) Michigan (St

July 23, 2018 EX-99.1

March 31, 2018

Exhibit 99.1 First Federal of Northern Michigan Bancorp, Inc. and Subsidiaries Consolidated Balance Sheet (in thousands) March 31, 2018 December 31, 2017 (Unaudited) ASSETS Cash and cash equivalents: Cash on hand and due from banks $ 5,185 $ 7,862 Overnight deposits with FHLB — 527 Total cash and cash equivalents 5,185 8,389 Deposits held in other financial institutions 3,714 3,714 Securities avai

July 23, 2018 EX-99.2

UNAUDITED PRO FORMA CONDENSED COMBINED FINANCIAL INFORMATION

Exhibit 99.2 UNAUDITED PRO FORMA CONDENSED COMBINED FINANCIAL INFORMATION The following pro forma condensed combined financial information combines the historical consolidated financial position and results of operations of Mackinac and First Federal, after giving effect to the merger, using the acquisition method of accounting and giving effect to the related pro forma adjustments described in th

July 23, 2018 8-K/A

Financial Statements and Exhibits

8-K/A 1 a18-1754118ka.htm 8-K/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K/A CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 18, 2018 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specif

June 29, 2018 11-K/A

MFNC / Mackinac Financial Corp. 11-K/A

11-K/A 1 a18-16249111ka.htm 11-K/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K/A x ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2017 OR o TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from <> to <> Commission file number: 0-20

June 27, 2018 11-K

MFNC / Mackinac Financial Corp. 11-K

11-K 1 a18-16140111k.htm 11-K Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K x ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2017 OR o TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from <> to <> Commission file n

June 19, 2018 8-K

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 19, 2018 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) MICHIGAN 0-20

June 19, 2018 EX-99.1

MACKINAC FINANCIAL CORPORATION DECLARES CASH DIVIDEND ON COMMON STOCK

Exhibit 99.1 PRESS RELEASE MACKINAC FINANCIAL CORPORATION DECLARES CASH DIVIDEND ON COMMON STOCK For Release: June 19, 2018 Nasdaq: MFNC Contact: Paul D. Tobias, (248) 290-5901/ [email protected] Jesse A. Deering, (248) 290-5906 /[email protected] Website: www.bankmbank.com Manistique, Michigan — Mackinac Financial Corporation (Nasdaq: MFNC), the bank holding company for mBank (the “Bank”

June 15, 2018 EX-99.1

Paul D. Tobias

Exhibit 99.1 Contacts: Paul D. Tobias Chairman & CEO Mackinac Financial Corporation & Chairman mBank Birmingham, MI (248) 290-5901 [email protected] Kelly W. George President, Mackinac Financial Corporation & President & CEO, mBank Manistique, MI (906) 341-7140 [email protected] Jesse Deering Executive Vice President & CFO, Mackinac Financial Corporation and mBank Birmingham, MI (248) 290-

June 15, 2018 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 15, 2018 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) Michigan (Sta

June 14, 2018 424B5

1,935,484 Shares MACKINAC FINANCIAL CORPORATION Common Stock

424B5 1 a18-152151424b5.htm 424B5 Table of Contents Filed Pursuant to Rule 424(b)(5) Registration No. 333-224884 PROSPECTUS SUPPLEMENT To Prospectus dated May 23, 2018 1,935,484 Shares MACKINAC FINANCIAL CORPORATION Common Stock · Mackinac Financial Corporation is offering 1,935,484 shares. · The last reported sale price of our common stock on June 12, 2018 was $15.73 per share. · Our common stock

June 13, 2018 8-K

Regulation FD Disclosure, Entry into a Material Definitive Agreement, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 13, 2018 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) Michigan (Sta

June 13, 2018 EX-99.1

1

Exhibit 99.1 Contacts: Paul D. Tobias Chairman & CEO Mackinac Financial Corporation & Chairman mBank Birmingham, MI (248) 290–5901 [email protected] Kelly W. George President, Mackinac Financial Corporation & President & CEO, mBank Manistique, MI (906) 341–7140 [email protected] Jesse Deering Executive Vice President & CFO, Mackinac Financial Corporation and mBank Birmingham, MI (248) 290–

June 13, 2018 EX-1.1

Form of Underwriting Agreement, by and among Mackinac Financial Corporation, mBank, and Piper Jaffray & Co.

Exhibit 1.1 [ Ÿ ] Shares(1) Mackinac Financial Corporation Common Stock, No Par Value Per Share UNDERWRITING AGREEMENT [ Ÿ ], 2018 PIPER JAFFRAY & CO. As Representative of the several Underwriters named in Schedule I hereto U.S. Bancorp Center 800 Nicollet Mall Minneapolis, Minnesota 55402 Ladies and Gentlemen: Mackinac Financial Corporation, a Michigan corporation (the “Company”), proposes to iss

June 12, 2018 424B5

Subject to completion, dated June 12, 2018

Table of Contents Filed Pursuant to Rule 424(b)(5) Registration No. 333-224884 The information contained in this prospectus supplement and the accompanying prospectus is not complete and may be changed. This prospectus supplement and the accompanying prospectus are not an offer to sell these securities and they are not soliciting an offer to buy these securities in any jurisdiction where any such

June 12, 2018 EX-99.1

1

EX-99.1 2 a18-152152ex99d1.htm EX-99.1 Exhibit 99.1 Contacts: Paul D. Tobias Chairman & CEO Mackinac Financial Corporation & Chairman mBank Birmingham, MI (248) 290—5901 [email protected] Kelly W. George President, Mackinac Financial Corporation & President & CEO, mBank Manistique, MI (906) 341-7140 [email protected] Jesse A. Deering Executive Vice President & CFO, Mackinac Financial Corpo

June 12, 2018 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 12, 2018 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) Michigan (Sta

June 12, 2018 8-K/A

Financial Statements and Exhibits

8-K/A 1 a18-1520818ka.htm 8-K/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K/A CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 18, 2018 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specif

June 7, 2018 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 7, 2018 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) Michigan (Stat

June 7, 2018 EX-99.1

1

Exhibit 99.1 Contacts: Paul D. Tobias Chairman & CEO Mackinac Financial Corporation & Chairman mBank Birmingham, MI (248) 290-5901 [email protected] Kelly W. George President, Mackinac Financial Corporation & President & CEO, mBank Manistique, MI (906) 341-7140 [email protected] FOR IMMEDIATE RELEASE Mackinac Financial Corporation to acquire Lincoln Community Bank (Wisconsin) · Mackinac Fi

May 30, 2018 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 30, 2018 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) Michigan (Stat

May 21, 2018 CORRESP

MFNC / Mackinac Financial Corp. CORRESP

May 21, 2018 VIA EDGAR U.S. Securities and Exchange Commission Division of Corporation Finance 100 F. Street, NE Washington, D.C. 20549 Attention: Era Anagnosti Re: Mackinac Financial Corporation Registration Statement on Form S-3 File No. 333-224884 Acceleration Request Requested Date: May 23, 2018 Requested Time: 4:00 P.M. Eastern Time Ladies and Gentlemen: Pursuant to Rule 461 under the Securit

May 18, 2018 EX-99.1

2

Exhibit 99.1 Contacts: Paul D. Tobias Chairman & CEO Mackinac Financial Corporation & Chairman mBank Birmingham, MI (248) 290 — 5901 [email protected] Kelly W. George President, Mackinac Financial Corporation & President & CEO, mBank Manistique, MI (906) 341 — 7140 [email protected] Mackinac Financial Corporation Completes the Acquisition of First Federal of Northern Michigan FOR IMMEDIATE

May 18, 2018 8-K

Financial Statements and Exhibits, Completion of Acquisition or Disposition of Assets, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 18, 2018 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) Michigan (Stat

May 14, 2018 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ?QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2018 OR ?TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from <> to <> Commission file number: 0-20167 MACKINAC FIN

May 11, 2018 EX-4.8

Form of Subordinated Debt Security (included in Exhibit 4.8)

EXHIBIT 4.8 FORM OF INDENTURE FOR SUBORDINATED DEBT MACKINAC FINANCIAL CORPORATION, AS ISSUER AND [ ], AS TRUSTEE INDENTURE DATED AS OF [ , ] SUBORDINATED DEBT SECURITIES CROSS-REFERENCE SHEET* between Provisions of Sections 310 through 318 of the Trust Indenture Act of 1939, as amended, and the within Indenture between Mackinac Financial Corporation and [ ], Trustee: SECTION OF ACT SECTION OF IND

May 11, 2018 EX-4.7

Form of Senior Debt Security (included in Exhibit 4.7)

EXHIBIT 4.7 MACKINAC FINANCIAL CORPORATION AS ISSUER AND [ ], AS TRUSTEE INDENTURE DATED AS OF [ , ] SENIOR DEBT SECURITIES CROSS-REFERENCE SHEET* between Provisions of Sections 310 through 318 of the Trust Indenture Act of 1939, as amended, and the within Indenture between MACKINAC FINANCIAL CORPORATION and [ ], Trustee: SECTION OF ACT SECTION OF INDENTURE 310(a)(1) and (2) 7.09 310(a)(3) and (4)

May 11, 2018 S-3

MFNC / Mackinac Financial Corp. S-3

Table of Contents As filed with the Securities and Exchange Commission on May 11, 2018 Registration No.

May 11, 2018 EX-12.1

Statement Regarding Computation of Ratios

EXHIBIT 12.1 Mackinac Financial Corporation Computation of the Ratio of Earnings to Fixed Charges and Preferred Stock Dividends Three Months Ended March 31, For the Years Ended December 31, 2018 2017 2016 2015 2014 2013 Earnings: Net income before taxes $ 1,945 $ 11,018 $ 6,766 $ 7,929 $ 2,829 $ 5,534 Interest expense (total) 1,746 6,438 4,885 4,393 4,142 4,124 Preferred dividends — — — — — 308 Am

May 10, 2018 8-K

Other Events, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 10, 2018 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) Michigan 0-201

May 3, 2018 425

MFNC / Mackinac Financial Corp. 425 (Prospectus)

Filed by Mackinac Financial Corporation Pursuant to Rule 425 under the Securities Act of 1933 Commission File No.

May 3, 2018 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 3, 2018 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) MICHIGAN 0-2016

May 3, 2018 EX-99

MACKINAC FINANCIAL CORPORATION REPORTS FIRST QUARTER 2018 RESULTS & ANNOUNCES EXPECTED FFNM TRANSACTION COMPLETION DATE

Exhibit 99 PRESS RELEASE For Release: May 3, 2018 Nasdaq: MFNC Contact: Jesse A. Deering, (248) 290-5906 /[email protected] Website: www.bankmbank.com MACKINAC FINANCIAL CORPORATION REPORTS FIRST QUARTER 2018 RESULTS & ANNOUNCES EXPECTED FFNM TRANSACTION COMPLETION DATE (Manistique, Michigan) — Mackinac Financial Corporation (Nasdaq: MFNC) (the “Corporation”), the bank holding company for mBa

April 25, 2018 DEF 14A

MFNC / Mackinac Financial Corp. DEF 14A

DEF 14A 1 a2235437zdef14a.htm DEF 14A QuickLinks - Click here to rapidly navigate through this document UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ý Filed by a Party other than the Registrant o Check the appropriate box: o Preliminary P

April 5, 2018 424B3

JOINT PROXY STATEMENT AND PROSPECTUS MERGER PROPOSED—YOUR VOTE IS VERY IMPORTANT

Use these links to rapidly review the document TABLE OF CONTENTS INDEX TO CONSOLIDATED FINANCIAL STATEMENTS TABLE OF CONTENTS Table of Contents Filed Pursuant to Rule 424(b)(3) Registration No.

April 4, 2018 EX-99.3

Form of Mackinac Proxy Card

Exhibit 99.3 If you would like to reduce the costs incurred by our company in mailing proxy materials, instructions. John Sample 234567 1234567 VOTE BY MAIL 123,456,789,012.12345 TO VOTE, MARK BLOCKS BELOW IN BLUE OR BLACK INK AS FOLLOWS: KEEP THIS PORTION FOR YOUR RECORDS DETACH AND RETURN THIS PORTION ONLY THIS PROXY CARD IS VALID ONLY WHEN SIGNED AND DATED. The Board of Directors recommends you

April 4, 2018 EX-99.2

Form of Transmittal Letter (FFNM)

Exhibit 99.2 Broadridge Corporate Issuer Solutions WHERE TO FORWARD YOUR TRANSMITTAL The method of delivery of certificate(s) and all other required documents is at the election and risk of the owner. If you elect to send them by mail, it is recommended that you send them by certified or registered mail with return receipt requested. Delivery will be deemed effective only when received by Broadrid

April 4, 2018 S-4/A

MFNC / Mackinac Financial Corp. S-4/A

Use these links to rapidly review the document TABLE OF CONTENTS INDEX TO CONSOLIDATED FINANCIAL STATEMENTS TABLE OF CONTENTS Table of Contents As filed with the Securities and Exchange Commission on April 4, 2018.

April 4, 2018 EX-99.1

Form of First Federal of Northern Michigan Bancorp, Inc. Proxy Card

Exhibit 99.1 VOTE BY INTERNET - www.proxyvote.com Use the Internet to transmit your voting instructions and for electronic delivery of information. Vote by 11:59 P.M. ET on 05/09/2018. Have your proxy card in hand when you access the web site and follow the instructions to obtain your records and to create an electronic voting instruction form. ELECTRONIC DELIVERY OF FUTURE PROXY MATERIALS If you

April 4, 2018 EX-99.1

Form of First Federal of Northern Michigan Bancorp, Inc. Proxy Card

Exhibit 99.1 VOTE BY INTERNET - www.proxyvote.com Use the Internet to transmit your voting instructions and for electronic delivery of information. Vote by 11:59 P.M. ET on 05/09/2018. Have your proxy card in hand when you access the web site and follow the instructions to obtain your records and to create an electronic voting instruction form. ELECTRONIC DELIVERY OF FUTURE PROXY MATERIALS If you

April 4, 2018 EX-99.3

Form of Mackinac Proxy Card

Exhibit 99.3 If you would like to reduce the costs incurred by our company in mailing proxy materials, instructions. John Sample 234567 1234567 VOTE BY MAIL 123,456,789,012.12345 TO VOTE, MARK BLOCKS BELOW IN BLUE OR BLACK INK AS FOLLOWS: KEEP THIS PORTION FOR YOUR RECORDS DETACH AND RETURN THIS PORTION ONLY THIS PROXY CARD IS VALID ONLY WHEN SIGNED AND DATED. The Board of Directors recommends you

April 4, 2018 EX-99.2

Form of Transmittal Letter (FFNM)

EX-99.2 6 a2235157zex-992.htm EX-99.2 Exhibit 99.2 Broadridge Corporate Issuer Solutions WHERE TO FORWARD YOUR TRANSMITTAL The method of delivery of certificate(s) and all other required documents is at the election and risk of the owner. If you elect to send them by mail, it is recommended that you send them by certified or registered mail with return receipt requested. Delivery will be deemed ef

April 4, 2018 S-4/A

MFNC / Mackinac Financial Corp. S-4/A

Use these links to rapidly review the document TABLE OF CONTENTS INDEX TO CONSOLIDATED FINANCIAL STATEMENTS TABLE OF CONTENTS Table of Contents As filed with the Securities and Exchange Commission on April 4, 2018.

April 4, 2018 CORRESP

MFNC / Mackinac Financial Corp. CORRESP

MACKINAC FINANCIAL CORPORATION 130 SOUTH CEDAR STREET MANISTIQUE, MICHIGAN 49854 April 4, 2018 Via Edgar David Lin Securities and Exchange Commission Division of Corporation Finance 100 F Street, N.

March 29, 2018 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 29, 2018 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) Michigan 0-2

March 29, 2018 EX-99.1

1

Exhibit 99.1 Filed by Mackinac Financial Corporation Pursuant to Rule 425 under the Securities Act of 1933 Commission File No.: 000-20167 Subject Company: First Federal of Northern Michigan Bancorp, Inc. FOR IMMEDIATE RELEASE mBank Announces Nomination of Martin A. Thomson for Expected Appointment to Board of Directors MANISTIQUE, Mich., March 29, 2018— The Directors of Mackinac Financial Corporat

March 29, 2018 425

MFNC / Mackinac Financial Corp. 8-K (Prospectus)

425 1 a18-929918k.htm 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 29, 2018 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in

March 29, 2018 EX-99.1

1

Exhibit 99.1 Filed by Mackinac Financial Corporation Pursuant to Rule 425 under the Securities Act of 1933 Commission File No.: 000-20167 Subject Company: First Federal of Northern Michigan Bancorp, Inc. FOR IMMEDIATE RELEASE mBank Announces Nomination of Martin A. Thomson for Expected Appointment to Board of Directors MANISTIQUE, Mich., March 29, 2018— The Directors of Mackinac Financial Corporat

March 27, 2018 EX-99.1

MACKINAC FINANCIAL CORPORATION DECLARES CASH DIVIDEND ON COMMON STOCK

Exhibit 99.1 PRESS RELEASE MACKINAC FINANCIAL CORPORATION DECLARES CASH DIVIDEND ON COMMON STOCK For Release: March 27, 2018 Nasdaq: MFNC Contact: Paul D. Tobias, (248) 290-5901/ [email protected] Jesse A. Deering, (248) 290-5906 /[email protected] Website: www.bankmbank.com Manistique, Michigan — Mackinac Financial Corporation (Nasdaq: MFNC), the bank holding company for mBank (the “Bank

March 27, 2018 8-K

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 27, 2018 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) MICHIGAN 0-2

March 16, 2018 S-4

Power of Attorney (included in the signatures)†

Use these links to rapidly review the document TABLE OF CONTENTS INDEX TO CONSOLIDATED FINANCIAL STATEMENTS TABLE OF CONTENTS Table of Contents As filed with the Securities and Exchange Commission on March 16, 2018.

March 16, 2018 EX-21

Subsidiaries of the Corporation†

EXHIBIT 21 Subsidiaries of Mackinac Financial Corporation Entity State of Formation First Manistique Agency, Inc. Michigan First Rural Relending Company Michigan North Country Capital Trust Delaware mBank Michigan

March 15, 2018 EX-10.3

Amended and Restated Employment Agreement, dated as of March 1, 2018, by and between Mackinac Financial Corporation and Paul D. Tobias**

Exhibit 10.3 Amended and Restated Employment Agreement THIS AMENDED AND RESTATED EMPLOYMENT AGREEMENT (this “Agreement”) is made effective as of the 1st day of March, 2018 (the “Commencement Date”), by and between Mackinac Financial Corporation, a Michigan corporation (the “Company”) and Paul D. Tobias (the “Executive”). Background The Board of Directors of the Company (the “Board”) has determined

March 15, 2018 EX-10.5

Amended and Restated Employment Agreement, dated as of March 1, 2018, by and between Mackinac Financial Corporation and Jesse A. Deering **

Exhibit 10.5 Amended and Restated Employment Agreement THIS AMENDED AND RESTATED EMPLOYMENT AGREEMENT (this “Agreement”), is made effective as of the 1st day of March, 2018 (the “Commencement Date”), by and between Mackinac Financial Corporation, a Michigan corporation (the “Company”) and Jesse Deering (the “Executive”). Background The Board of Directors of the Company (the “Board”) has determined

March 15, 2018 10-K

MFNC / Mackinac Financial Corp. 10-K (Annual Report)

10-K 1 mfnc-20171231x10k.htm 10-K Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2017 OR ☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commissio

March 15, 2018 EX-21

Subsidiaries of the Corporation

EX-21 5 mfnc-20171231ex21a00b41b.htm EX-21 Exhibit 21 Subsidiaries of Mackinac Financial Corporation First Manistique Agency, Inc. - 100% owned (incorporated as a Michigan corporation) First Rural Relending Company - 100% owned (incorporated as a Michigan corporation) North Country Capital Trust — 100% owned (organized as a Delaware business trust) mBank - 100% owned (incorporated as a Michigan ba

March 15, 2018 EX-10.4

Amended and Restated Employment Agreement, dated as of March 1, 2018, by and between Mackinac Financial Corporation and Kelly W. George**

Exhibit 10.4 Amended and Restated Employment Agreement THIS AMENDED AND RESTATED EMPLOYMENT AGREEMENT (this “Agreement”) is made effective as of the 1st day of March, 2018 (the “Commencement Date”), by and between Mackinac Financial Corporation, a Michigan corporation (the “Company”) and Kelly W. George (the “Executive”). Background The Board of Directors of the Company (the “Board”) has determine

March 7, 2018 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Entry into a Material Definitive Agreement

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 1, 2018 MACKINAC FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Michigan 0-20167 38-2062816 (State or Other Jurisdiction of Incorporation) (Commiss

February 13, 2018 EX-2.1

First Amendment to Agreement and Plan of Merger Dated as of February 8, 2018, by and among Mackinac Financial Corporation and First Federal of Northern Michigan Bancorp, Inc.

Exhibit 2.1 EXECUTION VERSION AMENDMENT NO. 1 TO AGREEMENT AND PLAN OF MERGER by and among: MACKINAC FINANCIAL CORPORATION, a Michigan corporation; MFNC ACQUISITION, LLC, a Michigan limited liability company; and FIRST FEDERAL OF NORTHERN MICHIGAN BANCORP, INC., a Maryland corporation. Dated as of February 8, 2018 THIS AMENDMENT NO. 1 (the ?Amendment?) is dated February 8, 2018, and is made to the

February 13, 2018 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 8, 2018 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) Michigan (

February 13, 2018 425

MFNC / Mackinac Financial Corp. 8-K (Prospectus)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 8, 2018 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) Michigan (

February 13, 2018 EX-2.1

First Amendment to the Agreement and Plan of Merger, dated as of February 8, 2018 by and among Mackinac Financial Corporation, MFNC Acquisition, LLC and First Federal of Northern Michigan Bancorp, Inc.

Exhibit 2.1 EXECUTION VERSION AMENDMENT NO. 1 TO AGREEMENT AND PLAN OF MERGER by and among: MACKINAC FINANCIAL CORPORATION, a Michigan corporation; MFNC ACQUISITION, LLC, a Michigan limited liability company; and FIRST FEDERAL OF NORTHERN MICHIGAN BANCORP, INC., a Maryland corporation. Dated as of February 8, 2018 THIS AMENDMENT NO. 1 (the ?Amendment?) is dated February 8, 2018, and is made to the

February 13, 2018 SC 13G

MFNC / Mackinac Financial Corp. / MANULIFE FINANCIAL CORP - SCHEDULE FILED TO REPORT ACQUISITION OF BENEFICIAL OWNERSHIP Passive Investment

SC 13G 1 mackinac3381361-sc13g.htm SCHEDULE FILED TO REPORT ACQUISITION OF BENEFICIAL OWNERSHIP SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 Mackinac Financial Corporation (Name of Issuer) Common Stock (Title of Class of Securities) 554571109 (CUSIP Number) December 31, 2017 (Date of Event Which Requires Filing of this Statement)

February 9, 2018 SC 13G/A

MFNC / Mackinac Financial Corp. / DIMENSIONAL FUND ADVISORS LP - SCHEDULE 13G/A Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 2)* MACKINAC FINANCIAL CORP (Name of Issuer) Common Stock (Title of Class of Securities) 554571109 (CUSIP Number) December 31, 2017 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this

February 8, 2018 425

MFNC / Mackinac Financial Corp. 425 (Prospectus)

425 1 a18-57052425.htm 425 Filed by Mackinac Financial Corporation Pursuant to Rule 425 under the Securities Act of 1933 Commission File No.: 000-20167 Subject Company: First Federal of Northern Michigan Bancorp, Inc. PRESS RELEASE For Release: February 8, 2017 Nasdaq: MFNC Contact: Jesse A. Deering, EVP & Chief Financial Officer (248) 290-5906 /[email protected] Website: www.bankmbank.com MA

February 8, 2018 8-K

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 8, 2018 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) MICHIGAN 0

February 8, 2018 EX-99

MACKINAC FINANCIAL CORPORATION REPORTS 2017 FOURTH QUARTER AND ANNUAL RESULTS

Exhibit 99 PRESS RELEASE For Release: February 8, 2017 Nasdaq: MFNC Contact: Jesse A.

February 2, 2018 425

MFNC / Mackinac Financial Corp. 425 (Prospectus)

Filed by Mackinac Financial Corporation Pursuant to Rule 425 under the Securities Act of 1933 Commission File No.

January 19, 2018 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits

QuickLinks - Click here to rapidly navigate through this document UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

January 19, 2018 EX-2.1

Agreement and Plan of Merger by and among Mackinac Financial Corporation, MFNC Acquisition, LLC and First Federal of Northern Michigan Bancorp

Use these links to rapidly review the document TABLE OF CONTENTS Exhibit 2.1 AGREEMENT AND PLAN OF MERGER by and among: MACKINAC FINANCIAL CORPORATION, a Michigan corporation; MFNC ACQUISITION, LLC, a Michigan limited liability company; and FIRST FEDERAL OF NORTHERN MICHIGAN BANCORP, INC., a Michigan corporation. Dated as of January 16, 2018 TABLE OF CONTENTS ARTICLE I THE MERGER 1 1.1 THE MERGER.

January 19, 2018 425

MFNC / Mackinac Financial Corp. 8-K (Prospectus)

QuickLinks - Click here to rapidly navigate through this document UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

January 19, 2018 EX-2.1

Agreement and Plan of Merger, dated as of January 16, 2018, by and among Mackinac Financial Corporation and First Federal of Northern Michigan Bancorp, Inc.

Use these links to rapidly review the document TABLE OF CONTENTS Exhibit 2.1 AGREEMENT AND PLAN OF MERGER by and among: MACKINAC FINANCIAL CORPORATION, a Michigan corporation; MFNC ACQUISITION, LLC, a Michigan limited liability company; and FIRST FEDERAL OF NORTHERN MICHIGAN BANCORP, INC., a Michigan corporation. Dated as of January 16, 2018 TABLE OF CONTENTS ARTICLE I THE MERGER 1 1.1 THE MERGER.

January 16, 2018 EX-99.1

1

Exhibit 99.1 Contacts: Paul D. Tobias Chairman & CEO Mackinac Financial Corporation & Chairman mBank Birmingham, MI (248) 290 — 5901 [email protected] Kelly W. George President, Mackinac Financial Corporation & President & CEO, mBank Manistique, MI (906) 341-7140 [email protected] Michael W. Mahler CEO, First Federal of Northern Michigan Alpena, MI 49707 (989) 354-7319 mmahler@first-federa

January 16, 2018 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 16, 2018 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) Michigan (

January 16, 2018 425

MFNC / Mackinac Financial Corp. 8-K (Prospectus)

425 1 a18-330118k.htm 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 16, 2018 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified

January 16, 2018 EX-99.1

1

Exhibit 99.1 Contacts: Paul D. Tobias Chairman & CEO Mackinac Financial Corporation & Chairman mBank Birmingham, MI (248) 290 ? 5901 [email protected] Kelly W. George President, Mackinac Financial Corporation & President & CEO, mBank Manistique, MI (906) 341-7140 [email protected] Michael W. Mahler CEO, First Federal of Northern Michigan Alpena, MI 49707 (989) 354-7319 mmahler@first-federa

December 15, 2017 EX-99.1

MACKINAC FINANCIAL CORPORATION DECLARES CASH DIVIDEND ON COMMON STOCK

Exhibit 99.1 PRESS RELEASE MACKINAC FINANCIAL CORPORATION DECLARES CASH DIVIDEND ON COMMON STOCK For Release: December 15, 2017 Nasdaq: MFNC Contact: Paul D. Tobias, (248) 290-5901/ [email protected] Jesse A. Deering, (248) 290-5906 /[email protected] Website: www.bankmbank.com Manistique, Michigan ? Mackinac Financial Corporation (Nasdaq: MFNC), the bank holding company for mBank (the ?B

December 15, 2017 8-K

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): December 15, 2017 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) MICHIGAN

November 14, 2017 10-Q

MFNC / Mackinac Financial Corp. 10-Q (Quarterly Report)

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2017 OR ☐TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from <> to <> Commission file number: 0-20167 MACKINAC

November 1, 2017 EX-99

MACKINAC FINANCIAL CORPORATION ANNOUNCES THIRD QUARTER 2017 RESULTS

Exhibit 99 PRESS RELEASE For Release: November 1, 2017 Nasdaq: MFNC Contact: Paul D.

November 1, 2017 8-K

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 1, 2017 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) MICHIGAN 0

September 12, 2017 8-K

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 12, 2017 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) MICHIGAN

September 12, 2017 EX-99.1

MACKINAC FINANCIAL CORPORATION DECLARES CASH DIVIDEND ON COMMON STOCK

Exhibit 99.1 PRESS RELEASE MACKINAC FINANCIAL CORPORATION DECLARES CASH DIVIDEND ON COMMON STOCK For Release: September 12, 2017 Nasdaq: MFNC Contact: Paul D. Tobias, (248) 290-5901/ [email protected] Jesse A. Deering, (248) 290-5906 /[email protected] Website: www.bankmbank.com Manistique, Michigan ? Mackinac Financial Corporation (Nasdaq: MFNC), the bank holding company for mBank (the ?

August 14, 2017 10-Q

MFNC / Mackinac Financial Corp. 10-Q (Quarterly Report)

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2017 OR ☐TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from <> to <> Commission file number: 0-20167 MACKINAC FINA

July 27, 2017 EX-99

MACKINAC FINANCIAL CORPORATION SURPASSES $1 BILLION IN TOTAL ASSETS, ANNOUNCES SIX-MONTH AND SECOND QUARTER 2017 RESULTS

Exhibit 99 PRESS RELEASE For Release: July 27, 2017 Nasdaq: MFNC Contact: Paul D. Tobias, (248) 290-5901 / [email protected] Jesse A. Deering, (248) 290-5906 /[email protected] Website: www.bankmbank.com MACKINAC FINANCIAL CORPORATION SURPASSES $1 BILLION IN TOTAL ASSETS, ANNOUNCES SIX-MONTH AND SECOND QUARTER 2017 RESULTS Manistique, Michigan ? Mackinac Financial Corporation (Nasdaq: MFN

July 27, 2017 8-K

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 27, 2017 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) MICHIGAN 0-20

June 28, 2017 11-K

Mackinac Financial 11-K

11-K 1 a17-15828111k.htm 11-K Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K x ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2016 OR o TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from <> to <> Commission file n

June 20, 2017 8-K

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 20, 2017 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) MICHIGAN 0-20

June 20, 2017 EX-99.1

MACKINAC FINANCIAL CORPORATION DECLARES CASH DIVIDEND ON COMMON STOCK

Exhibit 99.1 PRESS RELEASE MACKINAC FINANCIAL CORPORATION DECLARES CASH DIVIDEND ON COMMON STOCK For Release: June 20, 2017 Nasdaq: MFNC Contact: Paul D. Tobias, (248) 290-5901/ [email protected] Jesse A. Deering, (248) 290-5906 /[email protected] Website: www.bankmbank.com Manistique, Michigan ? Mackinac Financial Corporation (Nasdaq: MFNC), the bank holding company for mBank (the ?Bank?

May 24, 2017 8-K

Mackinac Financial 8-K (Current Report/Significant Event)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 24, 2017 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) MICHIGAN 0-201

May 15, 2017 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2017 OR ☐TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from <> to <> Commission file number: 0-20167 MACKINAC FIN

April 26, 2017 EX-99

MACKINAC FINANCIAL CORPORATION REPORTS FIRST QUARTER 2017 RESULTS

Exhibit 99 PRESS RELEASE For Release: April 26, 2017 Nasdaq: MFNC Contact: Paul D.

April 26, 2017 8-K

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 26, 2017 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) MICHIGAN 0-2

April 25, 2017 DEF 14A

Mackinac Financial DEF 14A

QuickLinks - Click here to rapidly navigate through this document UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

March 30, 2017 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2016 OR ☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 0-20167 MACKINAC FIN

March 30, 2017 EX-21

Subsidiaries of Mackinac Financial Corporation

Exhibit 21 Subsidiaries of Mackinac Financial Corporation First Manistique Agency, Inc.

March 28, 2017 8-K

Mackinac Financial 8-K (Current Report/Significant Event)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 28, 2017 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) MICHIGAN 0-2

March 28, 2017 EX-99.1

MACKINAC FINANCIAL CORPORATION DECLARES INCREASED CASH DIVIDEND ON COMMON STOCK

Exhibit 99.1 PRESS RELEASE MACKINAC FINANCIAL CORPORATION DECLARES INCREASED CASH DIVIDEND ON COMMON STOCK For Release: March 28, 2017 Nasdaq: MFNC Contact: Paul D. Tobias, (248) 290-5901/ [email protected] Jesse A. Deering, (248) 290-5906 /[email protected] Website: www.bankmbank.com Manistique, Michigan ? Mackinac Financial Corporation (Nasdaq: MFNC), the bank holding company for mBank

February 13, 2017 EX-1

JOINT FILING STATEMENT PURSUANT TO RULE 13D-1(K)(1)

Exhibit 1 JOINT FILING STATEMENT PURSUANT TO RULE 13D-1(K)(1) The undersigned hereby consent and agree to the joint filing of Schedule 13G Amendment No.

February 13, 2017 SC 13G/A

Mackinac Financial 3G/A (Passive Acquisition of More Than 5% of Shares)

SC 13G/A 1 sc13ga.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 (Amendment No. 2)* Mackinac Financial Corporation (Name of Issuer) Common Stock, no par value (Title of Class of Securities) 554571109 (CUSIP Number) 12/31/16 (Date of Event which Requires Filing of this Statement) Check the appropriate box to desig

February 9, 2017 SC 13G

MFNC / Mackinac Financial Corp. / DIMENSIONAL FUND ADVISORS LP - SCHEDULE 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* MACKINAC FINANCIAL CORP (Name of Issuer) Common Stock (Title of Class of Securities) 554571109 (CUSIP Number) December 31, 2016 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this

February 2, 2017 EX-99

MACKINAC FINANCIAL CORPORATION REPORTS 2016 FOURTH QUARTER AND ANNUAL RESULTS INCLUDING TWO ACQUISITIONS WITH FULL OPERATIONAL INTEGRATION

Exhibit 99 PRESS RELEASE For Release: February 2, 2017 Nasdaq: MFNC Contact: Paul D.

February 2, 2017 8-K

Mackinac Financial 8-K (Current Report/Significant Event)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 2, 2017 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) MICHIGAN 0

November 14, 2016 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2016 OR ☐TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from <> to <> Commission file number: 0-20167 MACKINAC

November 3, 2016 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 3, 2016 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) MICHIGAN 0

November 3, 2016 EX-99

MACKINAC FINANCIAL CORPORATION REPORTS NINE MONTH AND THIRD QUARTER RESULTS FOLLOWING SECOND ACQUISITION OF 2016

Exhibit 99 PRESS RELEASE For Release: November 3, 2016 Nasdaq: MFNC Contact: Paul D.

October 25, 2016 8-K

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported October 25, 2016 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) MICHIGAN 0-2

October 25, 2016 EX-99.1

MACKINAC FINANCIAL CORPORATION DECLARES $.10 CASH DIVIDEND ON COMMON STOCK

Exhibit 99.1 PRESS RELEASE MACKINAC FINANCIAL CORPORATION DECLARES $.10 CASH DIVIDEND ON COMMON STOCK For Release: October 25, 2016 Nasdaq: MFNC Contact: Paul D. Tobias, (248) 290-5901/ [email protected] Jesse A. Deering, (248) 290-5906 /[email protected] Website: www.bankmbank.com Manistique, Michigan ? Mackinac Financial Corporation (Nasdaq: MFNC), the bank holding company for mBank (th

August 31, 2016 8-K

Financial Statements and Exhibits, Completion of Acquisition or Disposition of Assets, Other Events

8-K 1 a16-1775118k.htm 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 31, 2016 MACKINAC FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Michigan 0-20167 38-2062816 (State or Other Jurisdicti

August 31, 2016 EX-99.1

2

Exhibit 99.1 Mackinac Financial Corporation Completes the Acquisition of First National Bank of Niagara MANISTIQUE, Mich. August 31, 2016 ? The Directors of Mackinac Financial Corporation [Nasdaq: MFNC] (Mackinac), the holding company for mBank, today announced the consummation of the acquisition of The First National Bank of Niagara (Niagara), Niagara, Wisconsin, from its holding company Niagara

August 23, 2016 8-K

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported August 23, 2016 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) MICHIGAN 0-20

August 23, 2016 EX-99.1

MACKINAC FINANCIAL CORPORATION DECLARES $.10 CASH DIVIDEND ON COMMON STOCK

Exhibit 99.1 PRESS RELEASE MACKINAC FINANCIAL CORPORATION DECLARES $.10 CASH DIVIDEND ON COMMON STOCK For Release: August 23, 2016 Nasdaq: MFNC Contact: Paul D. Tobias, (248) 290-5901/ [email protected] Jesse A. Deering, (248) 290-5906 /[email protected] Website: www.bankmbank.com Manistique, Michigan ? Mackinac Financial Corporation (Nasdaq: MFNC), the bank holding company for mBank (the

August 23, 2016 8-K

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported August 23, 2016 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) MICHIGAN 0-20

August 23, 2016 EX-99.1

MACKINAC FINANCIAL CORPORATION DECLARES $.10 CASH DIVIDEND ON COMMON STOCK

Exhibit 99.1 PRESS RELEASE MACKINAC FINANCIAL CORPORATION DECLARES $.10 CASH DIVIDEND ON COMMON STOCK For Release: August 23, 2016 Nasdaq: MFNC Contact: Paul D. Tobias, (248) 290-5901/ [email protected] Jesse A. Deering, (248) 290-5906 /[email protected] Website: www.bankmbank.com Manistique, Michigan ? Mackinac Financial Corporation (Nasdaq: MFNC), the bank holding company for mBank (the

August 15, 2016 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2016 OR ☐TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from <> to <> Commission file number: 0-20167 MACKINAC FINA

August 15, 2016 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2016 OR ☐TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from <> to <> Commission file number: 0-20167 MACKINAC FINA

August 4, 2016 EX-99

MACKINAC FINANCIAL CORPORATION ANNOUNCES SIX MONTH AND SECOND QUARTER 2016 RESULTS

Exhibit 99 PRESS RELEASE For Release: August 4, 2016 Nasdaq: MFNC Contact: Paul D.

August 4, 2016 8-K

Current Report

8-K 1 a16-1620318k.htm 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 4, 2016 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact Name of Registrant as Specified i

August 1, 2016 8-K

Mackinac Financial 8-K (Current Report/Significant Event)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 1, 2016 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) Michigan 0-2

August 1, 2016 EX-10.1

AMENDED AND RESTATED EMPLOYMENT AGREEMENT

Exhibit 10.1 AMENDED AND RESTATED EMPLOYMENT AGREEMENT THIS AMENDED AND RESTATED EMPLOYMENT AGREEMENT (this ?Agreement?), effective as of August 1, 2016, amends and restates the Employment Agreement (the ?Prior Employment Agreement?) dated as of the 24th day of March, 2015 (the ?Commencement Date?), by and between MACKINAC FINANCIAL CORPORATION, a Michigan corporation (the ?Company?) and JESSE DEE

June 28, 2016 11-K

Mackinac Financial 11-K

11-K 1 a16-13959111k.htm 11-K Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K x ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2015 OR o TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from <> to <> Commission file n

June 1, 2016 8-K

Regulation FD Disclosure, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

8-K 1 a16-1268918k.htm 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 1, 2016 MACKINAC FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 0

June 1, 2016 EX-99.1

# # #

Exhibit 99.1 FOR IMMEDIATE RELEASE Ernie R. Krueger to Retire After 12 Years With Mackinac Financial Corporation; Company Announces CFO Succession. MANISTIQUE, Mich. June 1, 2016 ? The Directors of Mackinac Financial Corporation [Nasdaq: MFNC] (Mackinac), the holding company for mBank, announced today that Executive Vice President and Chief Financial Officer, Ernie R. Krueger, will be retiring eff

May 25, 2016 8-K

Submission of Matters to a Vote of Security Holders

8-K 1 a16-1213828k.htm 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 24, 2016 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in

May 24, 2016 8-K

Regulation FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 24, 2016 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) MICHIGAN 0-201

May 24, 2016 EX-99.1

1

Exhibit 99.1 Contacts: Paul D. Tobias Chairman & CEO Mackinac Financial Corporation & Chairman mBank Birmingham, MI (248) 290 ? 5901 [email protected] Kelly W. George President, Mackinac Financial Corporation & President & CEO, mBank Manistique, MI (906) 341-7140 [email protected] FOR IMMEDIATE RELEASE Mackinac Financial Corporation to acquire Niagara Bancorporation (Wisconsin) ? Niagara B

May 24, 2016 EX-99.1

MACKINAC FINANCIAL CORPORATION DECLARES $.10 CASH DIVIDEND ON COMMON STOCK

Exhibit 99.1 PRESS RELEASE MACKINAC FINANCIAL CORPORATION DECLARES $.10 CASH DIVIDEND ON COMMON STOCK For Release: May 24, 2016 Nasdaq: MFNC Contact: Ernie R. Krueger, (906) 341-7158 /[email protected] Website: www.bankmbank.com Manistique, Michigan ? Mackinac Financial Corporation (Nasdaq: MFNC), the bank holding company for mBank (the ?Bank?), announced the approval of a cash dividend by it

May 24, 2016 8-K

Regulation FD Disclosure, Entry into a Material Definitive Agreement, Financial Statements and Exhibits

8-K 1 a16-1205518k.htm 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 24, 2016 MACKINAC FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 0

May 24, 2016 EX-2.1

Stock Purchase Agreement, dated as of May 24, 2016, by and among Mackinac Financial Corporation, the Sellers named therein, and Niagara Bancorporation, Inc.

Exhibit 2.1 STOCK PURCHASE AGREEMENT by and among: MACKINAC FINANCIAL CORPORATION, a Michigan corporation; THE SELLERS NAMED HEREIN; and NIAGARA BANCORPORATION, INC., a Wisconsin corporation. Dated as of May 24, 2016 TABLE OF CONTENTS ARTICLE I THE ACQUISITION 1 1.1 THE ACQUISITION 1 1.2 EFFECTIVE TIME 1 1.3 PURCHASE PRICE 1 1.4 THE BANK MERGER 2 ARTICLE II CLOSING MATTERS 3 2.1 TIME AND PLACE 3 2

May 13, 2016 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2016 OR ☐TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from <> to <> Commission file number: 0-20167 MACKINAC FIN

May 9, 2016 8-K

Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 9, 2016 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) MICHIGAN 0-2016

May 9, 2016 EX-99

MACKINAC FINANCIAL CORPORATION REPORTS FIRST QUARTER 2016 RESULTS

Exhibit 99 PRESS RELEASE For Release: May 9, 2016 Nasdaq: MFNC Contact: Ernie R. Krueger (906)341-7158 Website: www.bankmbank.com MACKINAC FINANCIAL CORPORATION REPORTS FIRST QUARTER 2016 RESULTS (Manistique, Michigan) ? Mackinac Financial Corporation (Nasdaq: MFNC) (the ?Corporation?), the bank holding company for mBank, today announced first quarter 2016 income of $1.132 million, or $.18 per sha

April 29, 2016 EX-99.1

2

Exhibit 99.1 Mackinac Financial Corporation Completes the Acquisition of First National Bank of Eagle River MANISTIQUE, Mich. April 29, 2016 ? The Directors of Mackinac Financial Corporation [Nasdaq: MFNC] (Mackinac), the holding company for mBank, today announced the consummation of the acquisition of The First National Bank of Eagle River (FNBER), Eagle River, Wisconsin, from its holding company

April 29, 2016 8-K

Mackinac Financial 8-K (Current Report/Significant Event)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 29, 2016 MACKINAC FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation) 0-20167 (Commission File N

April 19, 2016 DEF 14A

Mackinac Financial DEF 14A

QuickLinks - Click here to rapidly navigate through this document UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

March 30, 2016 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2015 OR o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 0-20167 Mackinac F

March 30, 2016 EX-21

Subsidiaries of Mackinac Financial Corporation

Exhibit 21 Subsidiaries of Mackinac Financial Corporation First Manistique Agency, Inc.

March 22, 2016 8-K

Regulation FD Disclosure

8-K 1 a16-702218k.htm 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 22, 2016 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in

March 22, 2016 EX-99.1

MACKINAC FINANCIAL CORPORATION DECLARES $.10 CASH DIVIDEND ON COMMON STOCK

Exhibit 99.1 PRESS RELEASE MACKINAC FINANCIAL CORPORATION DECLARES $.10 CASH DIVIDEND ON COMMON STOCK For Release: March 22, 2016 Nasdaq: MFNC Contact: Ernie R. Krueger, (906) 341-7158 /[email protected] Website: www.bankmbank.com Manistique, Michigan ? Mackinac Financial Corporation (Nasdaq: MFNC), the bank holding company for mBank (the ?Bank?), announced the approval of a cash dividend by

March 1, 2016 SC 13D/A

MFNC / Mackinac Financial Corp. / Steinhardt Capital Investors, LLLP - SC 13D/A Activist Investment

SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 (Amendment No.

February 18, 2016 SC 13G/A

MFNC / Mackinac Financial Corp. / Elizabeth Park Capital Advisors, Ltd. Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1)* Mackinac Financial Corporation (Name of Issuer) Common Stock, no par value (Title of Class of Securities) 554571109 (CUSIP Number) 12/31/15 (Date of Event which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant t

February 18, 2016 EX-1

JOINT FILING STATEMENT PURSUANT TO RULE 13D-1(K)(1)

Exhibit 1 JOINT FILING STATEMENT PURSUANT TO RULE 13D-1(K)(1) The undersigned hereby consent and agree to the joint filing of Schedule 13G Amendment No.

February 11, 2016 SC 13G/A

MFNC / Mackinac Financial Corp. / Wellington Management Group LLP - SEC SCHEDULE 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 3 )* Mackinac Financial Corporation (Name of Issuer) Common Stock (Title of Class of Securities) 554571109 (CUSIP Number) December 31, 2015 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to wh

February 9, 2016 SC 13G

MFNC / Mackinac Financial Corp. / DIMENSIONAL FUND ADVISORS LP - SCHEDULE 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* MACKINAC FINANCIAL CORP (Name of Issuer) Common Stock (Title of Class of Securities) 554571109 (CUSIP Number) December 31, 2015 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this

February 3, 2016 8-K

Mackinac Financial 8-K (Current Report/Significant Event)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 3, 2016 MACKINAC FINANCIAL CORPORATION (previous filings under the name NORTH COUNTRY FINANCIAL CORPORATION) (Exact name of registrant as specified in its charter) MICHIGAN 0

February 3, 2016 EX-99

MACKINAC FINANCIAL CORPORATION REPORTS STRONG EARNINGS GROWTH FOR 2015

Exhibit 99 PRESS RELEASE For Release: February 3, 2016 Nasdaq: MFNC Contact: Ernie R.

January 19, 2016 EX-99.1

# # #

Exhibit 99.1 Contacts: Paul D. Tobias Chairman & CEO Mackinac Financial Corporation & Chairman mBank Birmingham, MI (248) 290 ? 5901 [email protected] Kelly W. George President, Mackinac Financial Corporation & President & CEO, mBank Manistique, MI (906) 341-7140 [email protected] FOR IMMEDIATE RELEASE Mackinac Financial Corporation to acquire First National Bank of Eagle River (WI) ? Firs

January 19, 2016 EX-2.1

Stock Purchase Agreement, dated as of January 19, 2016, by and between Ellis Bankshares, Inc. and Mackinac Financial Corporation

Exhibit 2.1 STOCK PURCHASE AGREEMENT by and between ELLIS BANKSHARES, INC. and MACKINAC FINANCIAL CORPORATION Dated as of January 19, 2016 Table of Contents ARTICLE 1. PURCHASE AND SALE OF THE BANK SHARES 1 ARTICLE 2. PURCHASE PRICE AND PAYMENT TERMS 1 2.1 Purchase Price 1 2.2 Payment Terms 2 2.3 Determination of Tangible Equity Capital 2 2.4 Allocation of Purchase Price 3 ARTICLE 3. CLOSING 3 ART

January 19, 2016 8-K

Regulation FD Disclosure, Entry into a Material Definitive Agreement, Financial Statements and Exhibits

8-K 1 a16-205018k.htm 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 19, 2016 MACKINAC FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Michigan (State or Other Jurisdiction of Incorporation

November 13, 2015 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

10-Q 1 a15-17996110q.htm 10-Q Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q x QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2015 OR o TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from <> to <> Commissi

October 30, 2015 EX-99

MACKINAC FINANCIAL CORPORATION REPORTS NINE MONTH AND THIRD QUARTER 2015 RESULTS

Exhibit 99 PRESS RELEASE For Release: October 30, 2015 Nasdaq: MFNC Contact: Ernie R.

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