Headquartered in Hudsonville, Michigan, West Michigan Community Bank is a state-chartered bank (fed member) with $1.2B in total assets and $1.1B in deposits as of Q2 2026. It operates 8 offices. Its charter dates back to 1976.
West Michigan Community Bank has a TellerScore of 53 out of 100 (below average) based on Q2 2026 data — higher than only 11% of its 897 banks with $1 billion – $10 billion. Among 72 banks headquartered in Michigan, it ranks 63rd. Earnings contributes the most (78/100, 1.46%); funding & liquidity contributes the least (29/100, 96% loans-to-deposits, 46% uninsured).
TellerScore · Q2 2026
Scorecard
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 fell 6 points (59 → 53), mostly because the loan quality component weakened by 27 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 58 |
| Q3 2024 | 58 |
| Q4 2024 | 58 |
| Q1 2025 | 56 |
| Q2 2025 | 59 |
| Q3 2025 | 58 |
| Q4 2025 | 61 |
| Q1 2026 | 51 |
| Q2 2026 | 53 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.54% |
| Q3 2024 | 9.77% |
| Q4 2024 | 9.18% |
| Q1 2025 | 9.38% |
| Q2 2025 | 9.52% |
| Q3 2025 | 9.68% |
| Q4 2025 | 8.89% |
| Q1 2026 | 8.98% |
| Q2 2026 | 9.22% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.92% |
| Q3 2024 | 1.04% |
| Q4 2024 | 1.00% |
| Q1 2025 | 0.96% |
| Q2 2025 | 0.61% |
| Q3 2025 | 0.80% |
| Q4 2025 | 0.31% |
| Q1 2026 | 1.43% |
| Q2 2026 | 1.40% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.17% |
| Q3 2024 | 1.29% |
| Q4 2024 | 1.36% |
| Q1 2025 | 1.12% |
| Q2 2025 | 1.03% |
| Q3 2025 | 1.16% |
| Q4 2025 | 1.21% |
| Q1 2026 | 1.37% |
| Q2 2026 | 1.46% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 53 | $1.2B | 9.22% | 1.40% | 1.46% | 95.9% |
| Q1 2026 | 51 | $1.2B | 8.98% | 1.43% | 1.37% | 97.7% |
| Q4 2025 | 61 | $1.2B | 8.89% | 0.31% | 1.21% | 96.2% |
| Q3 2025 | 58 | $1.1B | 9.68% | 0.80% | 1.16% | 99.8% |
| Q2 2025 | 59 | $1.1B | 9.52% | 0.61% | 1.03% | 98.4% |
| Q1 2025 | 56 | $1.1B | 9.38% | 0.96% | 1.12% | 98.5% |
| Q4 2024 | 58 | $1.0B | 9.18% | 1.00% | 1.36% | 95.1% |
| Q3 2024 | 58 | $1.0B | 9.77% | 1.04% | 1.29% | 100.7% |
| Q2 2024 | 58 | $1.0B | 9.54% | 0.92% | 1.17% | 99.3% |
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).
Similar-size banks in Michigan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| University BankBank Ann Arbor, MI | 60 out of 100, Moderate | $1.2B | 10.1% | 0.41% | vs |
| Northstar BankBank Bad Axe, MI | 59 out of 100, Moderate | $1.2B | 9.1% | 0.80% | vs |
| First State BankBank Eastpointe, MI | 63 out of 100, Moderate | $1.3B | 10.0% | 0.81% | vs |
| United Bank of MichiganBank Grand Rapids, MI | 74 out of 100, Strong | $1.1B | 10.6% | 0.06% | vs |
| County National BankBank Hillsdale, MI | 41 out of 100, Below average | $1.4B | 9.3% | 2.62% | vs |
| Superior National BankBank Hancock, MI | 73 out of 100, Strong | $1.0B | 11.7% | 0.65% | vs |
Deposit insurance
Is my money safe at West Michigan Community Bank?
Yes. West Michigan Community Bank is an FDIC-insured institution (FDIC certificate #22308). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 46.3% of deposits ($497.2M) 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 9.22%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
8 locations
Branches
West Michigan Community Bank lists 7 offices in 5 cities. Most locations:
- Grand Rapids, MI (2)
- Holland, MI (2)
- Hudsonville, MI (1)
- Jenison, MI (1)
- Zeeland, MI (1)
HMDA 2025
Mortgage lending
In 2025, West Michigan Community Bank reported 163 home-loan applications under HMDA (LEI 549300FN26DK7DGUPD51): 135 originated ($53,395,000 total), 11 denied, and 14 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.4%, 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
- West Michigan Community Bank
- Former names
- Bank of Hudsonville
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 22308
- RSSD ID
- 715340
- Primary regulator
- FED
- Holding company
- Northstar Financial Group Inc
- Established
- July 21, 1976
- Headquarters
- 3467 Kelly St, Hudsonville, MI 49426
- Website
- www.wmcb.bank
- Employees
- 105
Quick answers
West Michigan Community Bank: common questions
Is West Michigan Community Bank FDIC insured?
Yes. West Michigan Community Bank is an FDIC-insured institution (FDIC certificate #22308). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is West Michigan Community Bank's TellerScore?
53 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has West Michigan Community Bank ever failed?
There is no failure record for FDIC certificate #22308 in the FDIC failed bank list.
How many branches does West Michigan Community Bank have?
8 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Hudsonville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Total Community Credit UnionCredit union Taylor, MI | 97 out of 100, Very strong | $111.3M | 15.3% | 0.36% | vs |
| Allegheny Central Federal Credit UnionCredit union Dunbar, PA | 95 out of 100, Very strong | $8.2M | 20.8% | 0.18% | vs |
| Aac Credit UnionCredit union Grand Rapids, MI | 90 out of 100, Very strong | $212.4M | 24.2% | 0.36% | vs |
| Preferred Credit UnionCredit union Grand Rapids, MI | 87 out of 100, Very strong | $318.1M | 14.3% | 0.37% | vs |
| Gr Consumers Credit UnionCredit union Wyoming, MI | 86 out of 100, Very strong | $52.0M | 16.6% | 0.16% | vs |
| Blue Water Federal Credit UnionCredit union Port Huron, MI | 86 out of 100, Very strong | $20.4M | 14.4% | 0.23% | vs |