Side-by-side · Q2 2026 data
Mercantile Bank vs Macatawa Bank, National Association
Metric by metric
| Measure | Mercantile Bank | Macatawa Bank, National Association |
|---|---|---|
| TellerScore | 73 | 76 (stronger) |
| Capital cushion | 66 (stronger) | 57 |
| Loan quality | 97 | 97 |
| Earnings | 84 | 91 (stronger) |
| Funding & liquidity | 18 | 45 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 70th | 80th |
| Total assets | $6.2B | $3.7B |
| Deposits / shares | $4.9B | $3.1B |
| Capital ratio | 11.61% (stronger) | 10.74% |
| Problem loans | 0.10% | 0.08% (stronger) |
| Net charge-offs | -0.03% (stronger) | 0.04% |
| Return on assets | 1.61% | 1.77% (stronger) |
| Loans ÷ deposits | 95.4% | 91.2% (stronger) |
| Uninsured deposits | 57.5% | 37.3% (stronger) |
| Offices | 33 | 25 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.2% | 22.5% |
Macatawa Bank, National Association has the higher TellerScore (76 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Mercantile Bank leads on 2 and Macatawa Bank, National Association on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.