Macatawa Bank, National Association
Total assets
$3.69B
▲ +5.9% YoY
Deposits
$3.07B
▲ +4.9% YoY
Loans
$2.80B
▲ +55.1% YoY
Offices
28
WINTRUST FINANCIAL CORP
ROA (annualized)
1.77%
peers 1.26%
ROE (annualized)
11.42%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +5.5% | +0.4 pts |
| Deposit growth (YoY) | +4.9% | +5.1% | -0.2 pts |
| Loan growth (YoY) | +55.1% | +5.9% | +49.2 pts |
| ROA | 1.77% | 1.26% | +0.5 pts |
| ROE | 11.4% | 12.2% | -0.8 pts |
ROA ranks in the 81st percentile of its peer group · Q2 2026
Profile
- Established
- 1997
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- WINTRUST FINANCIAL CORP
- Specialization
- Commercial Lending Specialization
- Address
- 10753 Macatawa Dr, Holland, MI, 49424
- County
- Ottawa
- Metro area
- Grand Rapids-Kentwood, MI
- Offices
- 28
- FDIC cert #
- 34618
- RSSD ID
- 2634351
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.69B | $3.07B | $2.80B | $556.9M | $31.9M | 1.77% | 4.31% | 0.07% |
| Q1 2026 | $3.48B | $2.88B | $2.65B | $558.2M | $17.7M | 1.98% | 4.34% | 0.16% |
| Q4 2025 | $3.66B | $3.06B | $2.69B | $563.0M | $48.0M | 1.39% | 4.51% | 0.10% |
| Q3 2025 | $3.52B | $2.94B | $2.52B | $546.8M | $32.1M | 1.26% | 4.43% | 0.10% |
| Q2 2025 | $3.48B | $2.93B | $1.80B | $531.7M | $17.2M | 1.02% | 4.21% | 0.08% |
| Q1 2025 | $3.31B | $2.76B | $1.66B | $523.9M | $9.9M | 1.20% | 4.26% | 0.07% |
| Q4 2024 | $3.28B | $2.74B | $1.65B | $513.9M | $16.2M | 0.56% | 2.20% | 0.03% |
| Q3 2024 | $3.09B | $2.54B | $1.62B | $499.2M | $1.5M | 0.07% | 1.24% | 0.01% |
Loan mix (Q2 2026): real estate $993.8M · commercial $1.36B · consumer $273.6M · securities $353.2M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.77% | 1.26% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 11.4% | 12.2% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.31% | 3.70% | 82th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 32.4% | 59.0% | 3th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar banks
- ChoiceOne BankSparta, MI · $4.45B
- Independent BankGrand Rapids, MI · $5.66B
- St. Charles Bank & Trust Company, National AssociationSaint Charles, IL · $3.69B
- D. L. Evans BankBurley, ID · $3.70B
- ENCORE BANKLittle Rock, AR · $3.70B
- Cornerstone Capital Bank, SSBHouston, TX · $3.67B
Selling to Macatawa Bank, National Association?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.