Side-by-side · Q2 2026 data
First National Bank of America vs Macatawa Bank, National Association
Metric by metric
| Measure | First National Bank of America | Macatawa Bank, National Association |
|---|---|---|
| TellerScore | 51 | 76 (stronger) |
| Capital cushion | 31 | 57 (stronger) |
| Loan quality | 37 | 97 (stronger) |
| Earnings | 100 (stronger) | 91 |
| Funding & liquidity | 46 (stronger) | 45 |
| Problem-loan coverage | 59 | 99 (stronger) |
| Peer percentile | 8th | 80th |
| Total assets | $6.8B | $3.7B |
| Deposits / shares | $3.9B | $3.1B |
| Capital ratio | 8.13% | 10.74% (stronger) |
| Problem loans | 1.90% | 0.08% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.04% |
| Return on assets | 2.79% (stronger) | 1.77% |
| Loans ÷ deposits | 160.1% | 91.2% (stronger) |
| Uninsured deposits | 18.7% (stronger) | 37.3% |
| Offices | 3 | 25 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.9% | 22.5% |
Macatawa Bank, National Association has the higher TellerScore (76 vs 51). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of America leads on 3 and Macatawa Bank, National Association on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.