$3.48B
+5.0%y/y
Percentile by value20th percentileby value
FDIC
ASSETMB
Macatawa Bank, National Association
Holland, MichiganFDIC Cert #34618
OCCEstablished 199728 branches
Holding company: WINTRUST FINANCIAL CORPRegulator: OCC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportMacatawa Bank, National Association reported $3.48B in total assets. Deposits grew 4.49% over the prior year.
Return on assets was 1.98%, compared with an asset-peer median of 1.31%. The leverage ratio was 10.88%.
- Why is Net Loan Growth, Year over Year above asset peers?
- Why is Total Assets below asset peers?
- Why is Efficiency Ratio below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$2.88B
+4.5%y/y
Percentile by value20th percentileby value
FDIC
DEP$2.65B
+59.6%y/y
Percentile by value26th percentileby value
FDIC
LNLSNET1.98%
+78 bpsy/y
Peer standing90th percentile
FDIC
NETINC + ROA31.78%
−826 bpsy/y
Peer standing96th percentile
FDIC
NONIX + NIM + NONII + EEFFR10.88%
+60 bpsy/y
Peer standing63rd percentile
FDIC
RBC1AAJPercentiles compare this bank with 269 banks from $3 billion to $10 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $2.94B | $2.61B |
| Q3 2021 | $2.9B | $2.56B |
| Q4 2021 | $2.93B | $2.59B |
| Q1 2022 | $2.93B | $2.59B |
| Q2 2022 | $2.78B | $2.5B |
| Q3 2022 | $2.83B | $2.56B |
| Q4 2022 | $2.91B | $2.62B |
| Q1 2023 | $2.64B | $2.34B |
| Q2 2023 | $2.63B | $2.33B |
| Q3 2023 | $2.76B | $2.45B |
| Q4 2023 | $2.75B | $2.42B |
| Q1 2024 | $2.61B | $2.29B |
| Q2 2024 | $2.65B | $2.33B |
| Q3 2024 | $3.09B | $2.54B |
| Q4 2024 | $3.28B | $2.74B |
| Q1 2025 | $3.31B | $2.76B |
| Q2 2025 | $3.48B | $2.93B |
| Q3 2025 | $3.52B | $2.94B |
| Q4 2025 | $3.66B | $3.06B |
| Q1 2026 | $3.48B | $2.88B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $210M |
| Investor CRE | $318M |
| Multifamily | $94.9M |
| Construction | $71.4M |
| 1–4 family | $270M |
| C&I | $1.26B |
| Agriculture | $48M |
| Other | $394M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.98%90th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.62%Median 1.31%90th 1.98%Observations 269
ROE
FDIC
NETINC + ROE12.63%54th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.65%Median 12.37%90th 18.59%Observations 269
NIM
FDIC
NIM + NIMY4.34%85th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.54%Median 3.63%90th 4.54%Observations 275
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR31.78%96th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 40.83%Median 57.10%90th 73.47%Observations 269
Deposits YoY
FDIC
DEP+4.49%47th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.75%Median +5.09%90th +22.27%Observations 273
Loans YoY
FDIC
LNLSNET+59.62%99th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.13%Median +6.60%90th +20.92%Observations 272
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.18%87th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.16%Median 0.64%90th 1.96%Observations 272
Leverage
FDIC
RBC1AAJ10.88%63rd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.88%Median 10.42%90th 13.45%Observations 275
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.22%77th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.86%Median 2.69%90th 3.74%Observations 267
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC127%16th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 76%Median 233%90th 347%Observations 239
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.98%89th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.47%Median 1.20%90th 2.05%Observations 74
ROE
FDIC
NETINC + ROE12.63%59th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.07%Median 11.62%90th 20.23%Observations 74
NIM
FDIC
NIM + NIMY4.34%71st percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.19%Median 4.01%90th 4.82%Observations 74
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR31.78%97th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 49.32%Median 65.83%90th 84.30%Observations 74
Deposits YoY
FDIC
DEP+4.49%59th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.40%Median +2.76%90th +16.75%Observations 72
Loans YoY
FDIC
LNLSNET+59.62%97th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.75%Median +7.31%90th +23.45%Observations 71
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.18%76th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.03%Median 0.52%90th 1.58%Observations 71
Leverage
FDIC
RBC1AAJ10.88%60th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.66%Median 10.18%90th 14.60%Observations 74
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.22%44th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.16%Median 2.11%90th 3.32%Observations 72
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC127%39th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 51%Median 153%90th 289%Observations 47
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.98%83rd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 1.29%Median 1.51%90th 2.27%Observations 7
ROE
FDIC
NETINC + ROE12.63%17th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 12.08%Median 13.28%90th 22.15%Observations 7
NIM
FDIC
NIM + NIMY4.34%67th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.10%Median 3.76%90th 4.58%Observations 7
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR31.78%83rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 29.86%Median 51.51%90th 59.19%Observations 7
Deposits YoY
FDIC
DEP+4.49%50th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th +0.99%Median +4.49%90th +16.52%Observations 7
Loans YoY
FDIC
LNLSNET+59.62%100th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +1.24%Median +6.01%90th +39.08%Observations 7
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.18%83rd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.17%Median 0.87%90th 1.53%Observations 7
Leverage
FDIC
RBC1AAJ10.88%67th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.72%Median 9.75%90th 12.09%Observations 7
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.22%83rd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 2.11%Median 2.41%90th 5.49%Observations 7
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC127%33rd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 44%Median 174%90th 243%Observations 7
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 28 branches
- Headquarters
- Holland, MI
FDIC
OFFDOMOpen the Michigan dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data