Macatawa Bank, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 694.67 percentage points higher than in Q1 2026, at 1197.30%. Macatawa Bank, N.A. ranks 18th of 72 Michigan banks on return on assets, in the upper half at 1.61% (Q2 2026). Macatawa Bank, N.A. reported 1.61% on return on assets for Q2 2026, 0.33 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.37% |
| Tier 1 risk-based capital ratio | 11.37% |
| Total risk-based capital ratio | 12.14% |
| Tier 1 leverage ratio | 10.74% |
| Equity capital to assets | 15.10% |
| Tangible equity to tangible assets | 9.74% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.06% |
| Non-performing assets ratio | 0.06% |
| Net charge-off ratio | 0.07% |
| Texas ratio | 0.78% |
| Allowance for credit losses to loans | 0.74% |
| Reserve coverage of non-performing loans | 1197.30% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.61% |
| Return on equity | 10.22% |
| Net interest margin | 4.27% |
| Efficiency ratio | 32.86% |
| Yield on earning assets | 5.89% |
| Cost of funds | 1.73% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.83% |
| Core deposits to total deposits | 82.68% |
| Brokered deposits to total deposits | 12.39% |
| Deposits to assets | 83.16% |
| Securities to assets | 9.57% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 17.14% | 17.14% | 18.13% | 10.59% | 1.66% |
| Q4 2023 | 17.18% | 17.18% | 18.18% | 11.02% | 1.41% |
| Q1 2024 | 17.67% | 17.67% | 18.67% | 11.52% | 1.53% |
| Q2 2024 | 18.04% | 18.04% | 19.04% | 11.83% | 1.60% |
| Q3 2024 | 14.56% | 14.56% | 15.33% | 9.95% | -2.60% |
| Q4 2024 | 15.51% | 15.51% | 16.27% | 10.12% | 1.89% |
| Q1 2025 | 16.18% | 16.18% | 17.10% | 10.28% | 1.24% |
| Q2 2025 | 15.57% | 15.57% | 16.60% | 10.22% | 0.88% |
| Q3 2025 | 12.02% | 12.02% | 12.87% | 10.22% | 1.71% |
| Q4 2025 | 11.80% | 11.80% | 12.69% | 10.84% | 1.82% |
| Q1 2026 | 12.05% | 12.05% | 12.83% | 10.88% | 2.02% |
| Q2 2026 | 11.37% | 11.37% | 12.14% | 10.74% | 1.61% |
Macatawa Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Macatawa Bank, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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.
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