Macatawa Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Macatawa Bank, N.A. is an FDIC-insured commercial bank headquartered in Holland, MI, established in 1997 (FDIC certificate 34618), and it is supervised by the OCC. At Q2 2026 it reported total assets of $3.69B, up 5.9% from Q2 2025, the 6th largest of 72 banks headquartered in Michigan. Its CET1 capital ratio was 11.37% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 34618
- Headquarters
- Holland, MI
- Established
- 1997
- Total assets, Q2 2026
- $3.69B
- Assets vs Q2 2025
- +5.9%
- CET1 ratio, Q2 2026
- 11.37%
- Domestic offices
- 28 FDIC institution directory, current count
- Routing number
- 072413845
- Latest call report
- Q2 2026, FFIEC 041 · Macatawa Bank, N.A. call report
- Holding company
- WINTRUST FINANCIAL CORPORATION
- Asset rank in state
- 6th of 72 in Michigan
Macatawa Bank, N.A. runs leaner than most banks of its size. It reported $3.7 billion in assets at June 30, 2026, up 5.9% from a year earlier. It spends about 33 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). It also grew its loan book 54.3% over the year, 9.2 times the median of 5.9% for banks its size.
Earnings jumped: net income for the quarter was $14 million, 95% above the same quarter a year earlier. Over the same year, loans grew 54.3% and deposits grew 4.9%. Where it has less room is capital: it holds common equity equal to 11.37% of its risk-weighted assets, lower than about three-quarters of banks its size (median 13.52%).
As of June 30, 2026, Macatawa Bank, N.A. reported a CET1 capital ratio of 11.37%, a return on assets of 1.61%, a nonperforming-loan ratio of 0.08% and a Texas ratio of 0.77%. The figures come from its call report filed with the FFIEC.
Of the 72 banks headquartered in Michigan, Macatawa Bank, N.A. is the 6th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 6.0% to $3.69B, loans rose 5.6% and deposits rose 6.5%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 48.3% of total loans, followed by non-owner-occupied commercial real estate loans at 10.5%. Its 28 offices in the FDIC Summary of Deposits are in 14 cities in MI; its Grand Rapids 6 offices book 40% of its branch deposits. By the capital ratios in its Q2 2026 call report, Macatawa Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 10753 Macatawa Dr, Holland, MI 49424
- County
- Ottawa
- Metro Area
- Grand Rapids-Wyoming-Kentwood, MI
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- November 25, 1997
- Domestic offices
- 28 FDIC institution directory, current count
- Employees (FTE)
- 183
- Domestic deposits
- $3.07B
- Allowance for credit losses
- $20.8M
- Net charge-offs (YTD)
- $572K
- Average total assets
- $3.54B
- Average total loans
- $2.72B
- Average interest-bearing deposits
- $2.26B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- November 25, 1997
- FDIC Cert
- 34618
- Fed RSSD
- 2634351
- SEC CIK
- 1015328 → filed by WINTRUST FINANCIAL CORPORATION
- Website
- www.macatawabank.com →
- Parent Holding Company
- WINTRUST FINANCIAL CORPORATION (RSSD 2260406) · WTFC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Timothy Crane | CEO | PRESIDENT & CEO |
| Thomas P Zidar | CHR | CHAIRMAN SR MKT HD WEALTH -MTG |
| David L Stoehr | CFO | CHIEF FINANCIAL OFFICER |
| David A Dykstra | COO | VICE CHAIRMAN AND COO |
| Kathleen M Boege | GC | EVP, CHIEF LEGAL OFC, AND SEC |
| James V Lentino | CRO | SVP and Chief Risk Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Macatawa Bank, N.A.'s total assets ran between $2.61B (Q1 2024) and $3.69B (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$3.69B total assets against $3.48B; $3.13B total liabilities against $2.95B.
$2.80B net loans and leases against $1.80B; $3.07B total deposits against $2.93B.
$353.2M securities against $147.2M; $131.7M cash and balances due against $1.12B.
$46.4M total interest income against $42.7M; $12.8M total interest expense against $12.0M.
$33.7M net interest income against $30.8M.
$2.9M total noninterest income against $2.0M; $16.3M total noninterest expense against $18.2M.
$1.4M provision for credit losses against $4.8M.
$14.2M net income against $7.3M.
1.61% return on assets against 0.88%; 4.27% net interest margin against 4.18%.
11.37% CET1 capital ratio against 15.57%; 10.74% tier 1 leverage ratio against 10.22%.
Inside the full Macatawa Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeMacatawa Bank, N.A. rankings
Its closest position to the top of a national ranking is 67 of 3,606, for efficiency ratio; its furthest is 1,874 of 2,134, for CET1 ratio.
Metric pages for Macatawa Bank, N.A.: Efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -2.60% (Q3 2024) to 2.02% (Q1 2026) and its net interest margin ran from 4.18% (Q2 2025) to 4.93% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.37% | 1.61% | 0.08% | 0.77% | 4.27% |
| Q1 2026 | 12.05% | 2.02% | 0.18% | 1.54% | 4.24% |
| Q4 2025 | 11.80% | 1.82% | 0.14% | 1.06% | 4.59% |
| Q3 2025 | 12.02% | 1.71% | 0.13% | 1.00% | 4.56% |
| Q2 2025 | 15.57% | 0.88% | 0.16% | 0.91% | 4.18% |
| Q1 2025 | 16.18% | 1.24% | 0.14% | 0.77% | 4.27% |
| Q4 2024 | 15.51% | 1.89% | 0.07% | 0.38% | 4.93% |
| Q3 2024 | 14.56% | -2.60% | 0.01% | 0.06% | — |
Swipe the table sideways to see every column.
Branch Network
View all 28 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Grand Rapids Downtown Branch | Grand Rapids , MI | 49503 | $863.5M |
| Zeeland State Street Branch | Zeeland , MI | 49464 | $191.8M |
| Hudsonville Branch | Hudsonville , MI | 49426 | $183.2M |
| Eastside Branch | Holland , MI | 49423 | $172.3M |
| 8th Street Holland Branch | Holland , MI | 49423 | $153.7M |
| Allendale Branch | Allendale , MI | 49401 | $134.9M |
| East Beltline Branch | Grand Rapids , MI | 49525 | $117.3M |
| Jenison Branch | Jenison , MI | 49428 | $105.9M |
| Southside Holland Branch | Holland , MI | 49423 | $102.4M |
| Clyde Park Avenue Branch | Wyoming , MI | 49509 | $94.5M |
| Grandville Branch | Grandville , MI | 49418 | $94.0M |
| Hamilton Branch | Hamilton , MI | 49419 | $92.7M |
| Northside Branch | Holland , MI | 49424 | $86.1M |
| 68th Street Branch | Grand Rapids , MI | 49508 | $86.0M |
| Riley Branch | Holland , MI | 49424 | $69.2M |
| Douglas Branch | Douglas , MI | 49406 | $66.7M |
| Byron Center Branch | Byron Center , MI | 49315 | $64.0M |
| Cascade Branch | Grand Rapids , MI | 49546 | $59.7M |
| Walker Branch | Walker , MI | 49544 | $59.6M |
| Forest Hills Branch | Grand Rapids , MI | 49546 | $48.8M |
| Rockford Branch | Rockford , MI | 49341 | $48.2M |
| Grand Haven Branch | Grand Haven , MI | 49417 | $47.1M |
| Burton Branch | Grand Rapids , MI | 49546 | $47.0M |
| Lakewood Boulevard Branch | Holland , MI | 49424 | $39.8M |
| Jenison East Branch | Jenison , MI | 49428 | $39.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2003 | Structure Change | Acquired Grand Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- March 25, 2019, Federal Reserve: Civil Money Penalty, $1,012,500: Wintrust Financial Corporation, Rosemont, Illinois
- Period: Most recent institution action March 25, 2019. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.0% of deposits in MI, rank 13 of 95 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 301 applications, 206 loans originated, $50.3M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $302K approved, $302K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Macatawa Bank, N.A.
What are Macatawa Bank, N.A.'s total assets?
As of the Q2 2026 filing, Macatawa Bank, N.A. reported total assets of $3.69 billion in its FFIEC call report.
Where is Macatawa Bank, N.A. headquartered?
It is headquartered in Holland, MI, United States.
When was Macatawa Bank, N.A. founded?
It was established in 1997, per the FDIC institution directory.
Is Macatawa Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34618). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Macatawa Bank, N.A.?
Macatawa Bank, N.A.'s primary federal regulator is the OCC.
What is Macatawa Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.37% in its Q2 2026 call report, above regulatory requirements.
How many branches does Macatawa Bank, N.A. operate?
It operates 28 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Macatawa Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 0.77% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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