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Macatawa Bank, National Association
Holland, MI · FDIC Certificate #34618 · Chartered 11/2
Total assets
$3.69B
Total deposits
$3.07B
Total equity
$556.87M
Net loans
$2.80B
Branches (offices)
28
Net income (YTD)
$31.94M
Rank: #354 of 4,213 U.S. banks by assets · #6 of 72 in Michigan. Assets changed 5.9% and deposits 4.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.77% |
| Return on equity | 11.42% |
| Net interest margin (YTD) | 4.31% |
| Equity to assets | 15.10% |
| Tier 1 leverage ratio | 10.74% |
| Uninsured deposits (share of deposits) | 37.3% |
| Noncurrent loans (share of loans) | 0.08% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 91.2% |
| Real estate loans (share of loans) | 35.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $993.82M | 35.5% | |
| Commercial & industrial | $1.36B | 48.6% | |
| Consumer / individual | $273.57M | 9.8% | |
| Construction & development | $79.53M | 2.8% | |
| Agricultural | $34.07M | 1.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.78B | $2.50B | $12.90M | $235.15M |
| Jun 2023 | $2.63B | $2.33B | $22.70M | $255.17M |
| Jun 2024 | $2.65B | $2.33B | $20.91M | $292.64M |
| Jun 2025 | $3.48B | $2.93B | $17.19M | $531.67M |
| Jun 2026 | $3.69B | $3.07B | $31.94M | $556.87M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Michigan | $3.07B | 28 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $3.07B.
Similar-sized banks
D. L. Evans Bank ($3.70B) · St. Charles Bank & Trust Company, National Association ($3.69B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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