WEST MICHIGAN COMMUNITY BANK

HUDSONVILLE, MI | Large | Est. July 21, 1976, midnight | FDIC #22308 | RSSD #715340 | FED
Latest Report: 2025-12-31

WEST MICHIGAN COMMUNITY BANK is aln large FDIC-insured commercial bank headquartered in HUDSONVILLE, MI, established in July 21, 1976, midnight. As of 2025-12-31, the bank reported total assets of $1.2B and total deposits of $1.0B. Profitability stands at 1.35% ROA and 15.70% ROE, with a net interest margin of 3.95%. The bank's CET1 capital ratio is 8.26%. Asset quality metrics show a non-performing loan ratio of 0.31% and a Texas Ratio of 6.60%. FDIC Certificate #22308.

Assets

$1.2B

Deposits

$1.0B

Loans

$1.0B

Equity

$98M

Profitability

Return on Assets (ROA) 1.35%
Return on Equity (ROE) 15.70%
Net Interest Margin (NIM) 3.95%
Yield on Assets 6.24%
Cost of Funds 3.15%

Asset Quality

NPL Ratio 0.31%
Net Charge-Off Ratio 0.28%
Texas Ratio 6.60%
NPA Ratio 0.62%
ACL / Loans 1.34%

Capital & Liquidity

CET1 Ratio 8.26%
Tier 1 Capital 8.26%
Total Capital Ratio 8.67%
Leverage Ratio 8.89%
Loan-to-Deposit 97.53%

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