Macatawa Bank, N.A.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Cash and balances due from depository institutions climbed 66.6% in Q2 2026, from $79.0M to $131.7M. It was the largest change from Q1 2026 among the key lines here. Within Michigan, Macatawa Bank, N.A. is 27th of 72 on loan-to-deposit ratio, 91.83% as of Q2 2026, above the middle of the field. Macatawa Bank, N.A. reported 91.83% on loan-to-deposit ratio for Q2 2026, 3.63 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $131.7M |
| Cash and noninterest-bearing balances to assets | 3.57% |
| Cash and securities | $484.8M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $21.0M |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $2.9M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.83% |
| Net loans and leases to deposits | 91.16% |
| Loans and leases to core deposits | 96.60% |
| Core deposits to total deposits | 82.68% |
| Brokered deposits to total deposits | 12.39% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 52.61% | 96.53% | $0 | $30.0M |
| Q4 2023 | 55.20% | 96.17% | $0 | $30.0M |
| Q1 2024 | 58.54% | 96.42% | $0 | $20.0M |
| Q2 2024 | 57.59% | 96.75% | $0 | $20.0M |
| Q3 2024 | 64.36% | 90.83% | $0 | $20.0M |
| Q4 2024 | 60.74% | 88.03% | $0 | $0 |
| Q1 2025 | 60.85% | 85.09% | $0 | $0 |
| Q2 2025 | 62.43% | 85.73% | $0 | $0 |
| Q3 2025 | 86.55% | 85.30% | $0 | $0 |
| Q4 2025 | 88.54% | 84.95% | $0 | $0 |
| Q1 2026 | 92.61% | 84.90% | $0 | $0 |
| Q2 2026 | 91.83% | 82.68% | $21.0M | $0 |
Macatawa Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Macatawa Bank, N.A., freeSource: Call Report Schedules RC and RC-M, 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)