Macatawa Bank, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income dropped 33.5% in Q2 2026, from -$2.3M to -$3.1M. It was the largest change from Q1 2026 among the key lines here. Within Michigan, Macatawa Bank, N.A. is 35th of 43 on CET1 ratio, 11.37% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Macatawa Bank, N.A. sits 2.11 points lower, at 11.37% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.37% |
| Tier 1 risk-based capital ratio | 11.37% |
| Total risk-based capital ratio | 12.14% |
| Tier 1 leverage ratio | 10.74% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $359.0M |
| Tier 1 capital | $359.0M |
| Total risk-based capital | $383.4M |
| Total equity capital | $556.9M |
| Risk-weighted assets | $3.16B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.10% |
| Tangible equity to tangible assets | 9.74% |
| Equity capital to average assets | 15.71% |
| Internal capital growth rate | -0.54% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $5.7M |
| Common stock surplus | $493.1M |
| Retained earnings | $61.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.1M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 17.14% | 17.14% | 18.13% | 10.59% | $1.72B |
| Q4 2023 | 17.18% | 17.18% | 18.18% | 11.02% | $1.75B |
| Q1 2024 | 17.67% | 17.67% | 18.67% | 11.52% | $1.75B |
| Q2 2024 | 18.04% | 18.04% | 19.04% | 11.83% | $1.75B |
| Q3 2024 | 14.56% | 14.56% | 15.33% | 9.95% | $1.89B |
| Q4 2024 | 15.51% | 15.51% | 16.27% | 10.12% | $1.89B |
| Q1 2025 | 16.18% | 16.18% | 17.10% | 10.28% | $1.90B |
| Q2 2025 | 15.57% | 15.57% | 16.60% | 10.22% | $2.04B |
| Q3 2025 | 12.02% | 12.02% | 12.87% | 10.22% | $2.80B |
| Q4 2025 | 11.80% | 11.80% | 12.69% | 10.84% | $3.01B |
| Q1 2026 | 12.05% | 12.05% | 12.83% | 10.88% | $2.98B |
| Q2 2026 | 11.37% | 11.37% | 12.14% | 10.74% | $3.16B |
Macatawa Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Macatawa Bank, N.A., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Macatawa Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34618) · FFIEC NIC profile (RSSD 2634351)