Side-by-side · Q2 2026 data
Macatawa Bank, National Association vs Northpointe Bank
Metric by metric
| Measure | Macatawa Bank, National Association | Northpointe Bank |
|---|---|---|
| TellerScore | 76 (stronger) | 58 |
| Capital cushion | 57 (stronger) | 45 |
| Loan quality | 97 (stronger) | 59 |
| Earnings | 91 (stronger) | 73 |
| Funding & liquidity | 45 | 50 (stronger) |
| Problem-loan coverage | 99 (stronger) | 76 |
| Peer percentile | 80th | 17th |
| Total assets | $3.7B | $7.5B |
| Deposits / shares | $3.1B | $5.3B |
| Capital ratio | 10.74% (stronger) | 9.54% |
| Problem loans | 0.08% (stronger) | 1.23% |
| Net charge-offs | 0.04% | 0.02% (stronger) |
| Return on assets | 1.77% (stronger) | 1.32% |
| Loans ÷ deposits | 91.2% (stronger) | 129.1% |
| Uninsured deposits | 37.3% | 7.1% (stronger) |
| Offices | 25 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.5% | 10.4% |
Macatawa Bank, National Association has the higher TellerScore (76 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Macatawa Bank, National Association leads on 5 and Northpointe Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.