TellerScore

Macatawa Bank, National Association is a national bank headquartered in Holland, Michigan, in business for about 29 years. At the end of Q2 2026 it reported $3.7B in total assets and $3.1B in deposits, with 28 offices.

Based on its Q2 2026 filing, Macatawa Bank, National Association scores 76/100, which we describe as strong. That is higher than 80% of 897 banks with $1 billion – $10 billion. Among 72 banks headquartered in Michigan, it ranks 17th. Its strongest component is problem-loan coverage (99/100; 0.5%), and its lowest is funding & liquidity (45/100; 91% loans-to-deposits, 37% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion57/100
Tier 1 leverage ratio: 10.74%
Loan quality97/100
Noncurrent loans ÷ total loans: 0.08%
Earnings91/100
Return on assets (annualized): 1.77%
Funding & liquidity45/100
Loans ÷ deposits and uninsured-deposit share: 91.2% · 37.3% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.48%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (72 → 76), mostly because the earnings component improved by 30 points.

TellerScore
647483Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202483
Q3 202464
Q4 202469
Q1 202574
Q2 202572
Q3 202571
Q4 202573
Q1 202678
Q2 202676
Tier 1 leverage ratio
5.00%8.42%11.83%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202411.83%
Q3 20249.95%
Q4 202410.12%
Q1 202510.28%
Q2 202510.22%
Q3 202510.22%
Q4 202510.84%
Q1 202610.88%
Q2 202610.74%
Noncurrent loans
0.01%0.10%0.18%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.01%
Q3 20240.01%
Q4 20240.07%
Q1 20250.14%
Q2 20250.16%
Q3 20250.13%
Q4 20250.14%
Q1 20260.18%
Q2 20260.08%
Return on assets
0.07%1.03%1.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.57%
Q3 20240.07%
Q4 20240.56%
Q1 20251.20%
Q2 20251.02%
Q3 20251.26%
Q4 20251.39%
Q1 20261.98%
Q2 20261.77%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$3.7B10.74%0.08%1.77%91.2%
Q1 202678$3.5B10.88%0.18%1.98%91.9%
Q4 202573$3.7B10.84%0.14%1.39%87.8%
Q3 202571$3.5B10.22%0.13%1.26%85.7%
Q2 202572$3.5B10.22%0.16%1.02%61.6%
Q1 202574$3.3B10.28%0.14%1.20%60.2%
Q4 202469$3.3B10.12%0.07%0.56%60.1%
Q3 202464$3.1B9.95%0.01%0.07%63.7%
Q2 202483$2.7B11.83%0.01%1.57%56.8%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.74%
55th
Total risk-based capital12.14%
33rd
Problem loans0.08%
89th
Net charge-offs0.04%
47th
Return on assets1.77%
81st
Net interest margin4.31%
82nd
Efficiency ratio32.4%
97th
Loans to deposits91.2%
36th
Uninsured deposits37.3%
33rd
Loan-loss reserves0.74%
12th
Texas ratio0.5%
90th

Similar-size banks in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of Ann ArborBank Ann Arbor, MI82 out of 100, Strong$3.5B13.2%0.27%vs
ChoiceOne BankBank Sparta, MI61 out of 100, Moderate$4.5B9.3%1.00%vs
Isabella BankBank Mount Pleasant, MI62 out of 100, Moderate$2.2B8.9%0.49%vs
Independent BankBank Grand Rapids, MI63 out of 100, Moderate$5.7B9.7%0.99%vs
Southern Michigan Bank & TrustBank Coldwater, MI56 out of 100, Moderate$1.7B9.0%0.92%vs
The Dart BankBank Mason, MI46 out of 100, Below average$1.5B8.6%1.75%vs

Deposit insurance

Is my money safe at Macatawa Bank, National Association?

Yes. Macatawa Bank, National Association is an FDIC-insured institution (FDIC certificate #34618). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 37.3% of deposits ($1.1B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.74%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.14% (benchmark: 10%).

Check how much of your own balance is covered

28 locations

Branches

Macatawa Bank, National Association lists 25 offices in 14 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Macatawa Bank, National Association reported 277 home-loan applications under HMDA (LEI 549300M5D5Q2KMDSMP10): 206 originated ($50,280,000 total), 60 denied, and 10 withdrawn or closed by the applicant. Its denial rate on decided applications was 22.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Macatawa Bank, National Association
Former names
Macatawa Bank
Type
National bank
FDIC certificate #
34618
RSSD ID
2634351
Primary regulator
OCC
Holding company
Wintrust Financial Corp
Established
November 25, 1997
Headquarters
10753 Macatawa Dr, Holland, MI 49424
Employees
183

Quick answers

Macatawa Bank, National Association: common questions

Is Macatawa Bank, National Association FDIC insured?

Yes. Macatawa Bank, National Association is an FDIC-insured institution (FDIC certificate #34618). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Macatawa Bank, National Association's TellerScore?

76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Macatawa Bank, National Association ever failed?

There is no failure record for FDIC certificate #34618 in the FDIC failed bank list.

How many branches does Macatawa Bank, National Association have?

28 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Holland

InstitutionScoreAssetsCapitalProblem loansCompare
Aac Credit UnionCredit union Grand Rapids, MI90 out of 100, Very strong$212.4M24.2%0.36%vs
Tri-Cities Credit UnionCredit union Grand Haven, MI86 out of 100, Very strong$51.3M13.9%0.05%vs
Gr Consumers Credit UnionCredit union Wyoming, MI86 out of 100, Very strong$52.0M16.6%0.16%vs
Kenowa Community Federal Credit UnionCredit union Wyoming, MI85 out of 100, Very strong$30.4M16.1%0.22%vs
Wmcu Credit UnionCredit union Grand Rapids, MI84 out of 100, Strong$455.3M17.3%0.92%vs
DFCU Financial Credit UnionCredit union Dearborn, MI82 out of 100, Strong$8.0B12.6%0.63%vs