Macatawa Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Macatawa Bank, N.A. of Holland, MI against its peer group of 927 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.61% | 1.46% | +0.15% | 72nd above |
| ROAE | 10.22% | 12.69% | -2.47% | 34th below |
| Net Interest Margin | 4.27% | 3.85% | +0.42% | 82nd top |
| Efficiency Ratio | 32.86% | 57.44% | -24.58% | 97th top |
| PPNR / Avg Assets | 2.29% | 1.88% | +0.41% | 82nd top |
| Yield on Earning Assets | 5.89% | 5.72% | +0.17% | 70th above |
| Cost of Funds | 1.73% | 2.02% | -0.29% | 67th above |
| Net Interest Spread | 3.67% | 3.18% | +0.49% | 83rd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.06% | 1.00% | -0.94% | 92nd top |
| NPA / Total Assets | 0.06% | 0.76% | -0.70% | 90th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.07% | 0.43% | -0.36% | 35th below |
| ACL / Total Loans | 0.74% | 1.31% | -0.57% | 10th bottom |
| ACL / NPLs (Coverage) | 1197.30% | 563.43% | +633.87% | — |
| Texas Ratio | 0.78% | 7.40% | -6.62% | 90th top |
| Provision / NCO | -391.96% | 620.25% | -1012.21% | 2nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.37% | 17.35% | -5.98% | 16th bottom |
| Tier 1 Ratio | 11.37% | 17.38% | -6.01% | 15th bottom |
| Total Capital Ratio | 12.14% | 18.43% | -6.29% | 11th bottom |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.74% | 11.44% | -0.70% | 55th above |
| Equity / Assets | 15.10% | 11.33% | +3.77% | 94th top |
| TCE / Tangible Assets | 9.74% | 10.50% | -0.76% | 49th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.83% | 86.95% | +4.88% | 38th below |
| Core Deposit Ratio | 82.68% | 85.56% | -2.88% | 27th below |
| Uninsured Deposit Ratio | 37.25% | 33.12% | +4.13% | 34th below |
| Wholesale Funding Ratio | 0.57% | 5.71% | -5.14% | 86th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.87% | 9.68% | -3.81% | 54th above |
| Loan Growth (Y/Y) | 54.26% | 7.99% | +46.27% | 98th top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.86% | 7.88% | -3.02% | 50th above |
See Macatawa Bank, N.A.'s peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Macatawa Bank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Macatawa Bank, N.A. profile, how to read a UBPR, or how this data updates.