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West Michigan Community Bank
Hudsonville, MI · FDIC Certificate #22308 · Chartered 07/2
Total assets
$1.21B
Total deposits
$1.07B
Total equity
$106.09M
Net loans
$1.03B
Branches (offices)
8
Net income (YTD)
$8.72M
Rank: #885 of 4,213 U.S. banks by assets · #14 of 72 in Michigan. Assets changed 13.5% and deposits 15.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.46% |
| Return on equity | 17.04% |
| Net interest margin (YTD) | 3.79% |
| Equity to assets | 8.75% |
| Tier 1 leverage ratio | 9.22% |
| Uninsured deposits (share of deposits) | 46.3% |
| Noncurrent loans (share of loans) | 1.40% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 95.9% |
| Real estate loans (share of loans) | 79.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $815.28M | 79.2% | |
| Commercial & industrial | $186.58M | 18.1% | |
| Consumer / individual | $4.65M | 0.5% | |
| Construction & development | $60.78M | 5.9% | |
| Agricultural | $21.61M | 2.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $826.89M | $730.42M | $4.96M | $70.61M |
| Jun 2023 | $945.15M | $785.48M | $6.28M | $79.66M |
| Jun 2024 | $1.00B | $865.51M | $5.76M | $87.99M |
| Jun 2025 | $1.07B | $929.79M | $5.46M | $95.85M |
| Jun 2026 | $1.21B | $1.07B | $8.72M | $106.09M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Michigan | $1.07B | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.07B.
Similar-sized banks
Bank Of The Orient ($1.21B) · Bankfirst ($1.21B)
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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