EXHIBIT 99

MBT Financial Corp. Announces Second Quarter 2013 Profit

MONROE, Mich., July 25, 2013 – MBT Financial Corp., (Nasdaq: MBTF), the parent company of Monroe Bank & Trust, reported a net profit of $1,496,000, or $0.08 per share (basic and diluted), in the second quarter of 2013, compared to the profit of $253,000, or $0.01 per share (basic and diluted) in the second quarter of 2012. Net profit for the six months ended June 30, 2013 was $2,610,000, or $0.15 per share (basic and diluted), compared to $1,470,000, or $0.08 per share (basic and diluted) for the first six months of 2012.

The net interest margin decreased from 3.15% in the second quarter of 2012 to 2.92% in the second quarter of 2013. However, the margin increased from 2.82% in the first quarter of 2013 as the Bank retired $95 million in high cost non-deposit funding during the quarter. Due to low loan demand and a desire to maintain a high level of liquidity, the Bank continues to hold a large portion of its earning assets in low yielding short term investments. This balance sheet structure, coupled with the prolonged low interest rate environment, caused the decrease in the net interest margin. Average earning assets decreased $12.7 million compared to the second quarter of 2012, which, along with the decrease in the net interest margin, resulted in a decrease of $695,000, or 7.9% in the net interest income. Net interest income was flat on a linked quarter basis.

The provision for loan losses decreased from $1.05 million in the second quarter of 2012 to $0.4 million in the second quarter of 2013 and the net charge offs decreased from $2.0 million to $1.1 million. The improvement in loan quality over the past year allowed us to reduce the Allowance for Loan and Lease Losses $2.3 million, lowering the ALLL from 2.91% of loans at the end of the second quarter of 2012 to what remains a robust 2.79% as of June 30, 2013.

Noninterest income increased $425,000, or 11.9%. Income from wealth management services increased 30.6% due to an increase in assets managed and market appreciation, and other non interest income increased 11.0% due to various other commissions and fees.

Total noninterest expenses increased $560,000, or 5.8% compared to the second quarter of 2012. The increase in expenses was mainly due to higher losses on sales and writedowns of Other Real Estate Owned (OREO). The Bank sold a large number of OREO properties at an auction in the second quarter of 2013, causing an increase of $517,000 compared to OREO losses in the second quarter of 2012, but contributing to the $146,000, or 33.3% decrease in OREO carrying costs.

The Company remains in the process of an Internal Revenue Service audit for its 2007 through 2010 tax years. During the second quarter of 2012 we recorded a federal income tax expense to reflect the amount of a settlement that we offered to the IRS early in the third quarter of 2012. While we cannot predict the outcome of the IRS audit, or any appeal we may pursue as a result of an IRS assessment from the audit, we are optimistic that a settlement agreement will be reached without the need to record significant additional tax expense.

Total assets of the company decreased $105.9 million compared to December 31, 2012. Cash and investment securities decreased $95.8 million as the Bank used cash and proceeds from investment maturities and sales to retire $95 million of maturing Federal Home Loan Bank borrowings. Total loans held for investment decreased $11.9 million since the end of 2012 as some large problem credits paid off or were liquidated and loan demand continues to slowly recover. Capital decreased $4.5 million since the end of last year as the year to date profit of $2.6 million and the private placement of $1.7 million of common stock were offset by the $8.9 million increase in the Accumulated Other Comprehensive Loss (AOCL). The AOCL increased due to the unrealized loss on investment securities that are classified as available for sale. This market value adjustment is not included in regulatory capital ratios under current rules, and our Tier 1 Leverage ratio increased from 6.38% as of December 31, 2012 to 6.86% as of June 30, 2013. Even though total book capital decreased during the first six months of 2013, assets also decreased, and the ratio of equity to assets increased from 6.59% at the end of 2012 to 6.80% at June 30, 2013. The Bank remains adequately capitalized as measured by applicable regulatory standards. The company’s liquidity position remained very strong following the use of cash and investments to pay off maturing debt, with cash and investments only decreasing from 43.0% of assets at the end of 2012 to 38.6% at June 30, 2013.

Economic conditions in southeast Michigan continue to slowly improve, and this quarter we experienced a significant improvement in problem assets. During the second quarter of 2013, non performing loans decreased $5.2 million, or 7.5%, Other Real Estate Owned decreased $3.7 million, or 24.4%, and problem loans still performing decreased $0.9 million, or 2.5%. Total problem assets, which include nonperforming assets and problem loans that are still performing, decreased $9.8 million, or 7.8% compared to March 31, 2013 and $11.1 million, or 8.7% compared to a year ago.

H. Douglas Chaffin, President and CEO, commented, “We are pleased to report another profit and considerable improvement in most asset quality metrics this quarter. As the economic conditions continue to improve, we expect to see an improvement in loan demand. New loan activity did improve in the second quarter, however, the resolution of some large problem credit relationships exceeded the new loan activity, resulting in a small decrease in total loans during the quarter. Our existing commercial loan pipeline remains strong compared to a year ago, and when loan growth resumes it will help our net interest margin and net interest income improve also. We continue to have a solid deposit base, a very liquid balance sheet, and adequate capital, so we are well positioned for increased lending activity.”

Mr. Chaffin concluded, “Local and national economic indicators continue to improve, but we are cautiously monitoring the recent signs of relative strength in the local and regional recovery. While we remain concerned about the effect of global and national issues on our local economy, we are optimistic that our progress will continue through the second half of 2013 and into 2014. We will continue to focus our efforts on improving asset quality, maintaining liquidity, seeking new sources of revenue and capital, and controlling expenses. Our current environment still presents challenges, but we remain confident in our ability to maintain our position as the premier independent provider of financial services in the communities we serve.”

Conference Call

MBT Financial Corp. will hold a conference call to discuss the second quarter results on Friday, July 26, 2013, at 10:00 a.m. Eastern Time. The call will be webcast and can be accessed at the Investor Relations/Corporate Profile page of MBT Financial Corp.’s web site www.mbandt.com. The call can also be accessed in the United States by calling toll free (888) 317-6016. The toll free number for callers in Canada is (855) 669-9657 and international callers can access the call at (412) 317-6016. The event will be archived on the Company’s web site and available for twelve months following the call.

We encourage participants to pre-register for the conference call using the following link. Callers who pre-register will be given a unique PIN to gain immediate access to the call, bypassing the live operator. Participants may pre-register at any time, including up to and after the call start time. You will immediately receive an online confirmation, an email, and a calendar invitation for the event. To pre-register, go to: http://services.choruscall.com/DiamondPassRegistration/register?confirmationNumber=10030440&linkSecurityString=255dc5e400  

About the Company

MBT Financial Corp. (NASDAQ: MBTF), a single bank holding company headquartered in Monroe, Michigan, is the parent company of Monroe Bank & Trust (MBT).

Founded in 1858, Monroe Bank & Trust (MBT) is one of the largest independently owned community banks in Southeast Michigan. With over $1 billion in assets, MBT is a full-service bank, offering a complete range of business and personal accounts, credit and mortgage options, investment and retirement services and award-winning financial literacy outreach. MBT’s Wealth Management Group (WMG) is one of the largest and most respected in Michigan. The WMG has been listed as a Top Money Management firm for assets under management by Crain’s Detroit Business. With 24 offices, 46 ATMs, convenient mobile and online banking, a robust Web and social media presence and a comprehensive array of products and services, MBT prides itself in offering an incomparable banking experience. Visit MBT’s web site at www.mbandt.com.

Forward-Looking Statements

Certain statements contained herein are not based on historical facts and are "forward-looking statements" within the meaning of Section 21A of the Securities Exchange Act of 1934. Forward-looking statements which are based on various assumptions (some of which are beyond the Company's control), may be identified by reference to a future period or periods, or by the use of forward-looking terminology, such as "may," "will," "believe," "expect," "estimate," "anticipate," "continue," or similar terms or variations on those terms, or the negative of these terms. Actual results could differ materially from those set forth in forward-looking statements, due to a variety of factors, including, but not limited to, those related to the economic environment, particularly in the market areas in which the Company operates, competitive products and pricing, fiscal and monetary policies of the U.S. Government, changes in government regulations affecting financial institutions, including regulatory fees and capital requirements, changes in prevailing interest rates, acquisitions and the integration of acquired businesses, credit risk management, asset/liability management, change in the financial and securities markets, including changes with respect to the market value of our financial assets, the availability of and costs associated with sources of liquidity, and the ability of the Company to resolve or dispose of problem loans. The Company undertakes no obligation to update or clarify forward-looking statements, whether as a result of new information, future events or otherwise.