Macatawa Bank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 3.45 percentage points in Q2 2026, from 133.10% to 129.65%. 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.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.82B |
| Net loans and leases | $2.80B |
| Loans held for sale | $0 |
| Loans to total assets | 76.37% |
| Loan-to-deposit ratio | 91.83% |
| Net loans to equity capital | 5.02% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.05% |
| Multifamily (5+ residential) | 3.42% |
| Commercial and industrial | 48.26% |
| Consumer | 9.71% |
| Credit cards | 0.00% |
| Farm | 0.92% |
| Loans to depository institutions | 0.33% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 129.65% |
| Construction concentration (Tier 1 capital + allowance) | 20.94% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $41.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.29B | $2.45B | 28.44% | 35.71% | 0.30% |
| Q4 2023 | $1.34B | $2.42B | 27.29% | 36.39% | 0.28% |
| Q1 2024 | $1.34B | $2.29B | 27.34% | 36.02% | 0.28% |
| Q2 2024 | $1.34B | $2.33B | 27.01% | 36.00% | 0.26% |
| Q3 2024 | $1.64B | $2.54B | 24.32% | 46.42% | 0.18% |
| Q4 2024 | $1.66B | $2.74B | 23.71% | 48.16% | 0.18% |
| Q1 2025 | $1.68B | $2.76B | 24.93% | 47.89% | 0.17% |
| Q2 2025 | $1.83B | $2.93B | 23.46% | 52.18% | 0.15% |
| Q3 2025 | $2.55B | $2.94B | 18.12% | 48.83% | 10.84% |
| Q4 2025 | $2.71B | $3.06B | 19.79% | 49.19% | 9.44% |
| Q1 2026 | $2.67B | $2.88B | 19.79% | 47.31% | 9.75% |
| Q2 2026 | $2.82B | $3.07B | 18.05% | 48.26% | 9.71% |
Macatawa Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Macatawa Bank, N.A., freeSource: Call Report Schedule RC-C, 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)