$2.67B
+59.0%y/y
Percentile by value26th percentileby value
FDIC
LNLSGRMB
Macatawa Bank, National Association
Holland, MichiganFDIC Cert #34618
OCCEstablished 199728 branches
Holding company: WINTRUST FINANCIAL CORPRegulator: OCC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
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 |
Loan book
Reported balances and balance-sheet intensity.
$2.65B
+59.6%y/y
Percentile by value26th percentileby value
FDIC
LNLSNET+59.62%
+136.8%y/y
Percentile by value99th percentileby value
FDIC
LNLSNET91.9%
+52.8%y/y
Percentile by value66th percentileby value
FDIC
LNLSNET + DEP76.1%
+52.1%y/y
Percentile by value66th percentileby value
FDIC
LNLSNET + ASSET39.14%
−24.7%y/y
Percentile by value11th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
127%
+27.9%y/y
Percentile by value16th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC19%
+13.6%y/y
Percentile by value18th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC2,570points
−9.9%y/y
Peer standing26th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD7.89%
−42.1%y/y
Percentile by value35th percentileby value
FDIC
LNRENROW + LNLSGR11.91%
+5.4%y/y
Percentile by value24th percentileby value
FDIC
LNRENROT + LNLSGR47.31%
−1.2%y/y
Percentile by value96th percentileby value
FDIC
LNCI + LNLSGR