West Michigan Community Bank
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Data as of · sourced from FFIEC call reports. How we update
West Michigan Community Bank is an FDIC-insured commercial bank headquartered in Hudsonville, MI, established in 1976 (FDIC certificate 22308), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.21B, up 13.5% from Q2 2025, the 14th largest of 72 banks headquartered in Michigan. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.22% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 22308
- Headquarters
- Hudsonville, MI
- Established
- 1976
- Total assets, Q2 2026
- $1.21B
- Assets vs Q2 2025
- +13.5%
- Tier 1 leverage ratio, Q2 2026
- 9.22%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 072413104
- Latest call report
- Q2 2026, FFIEC 051 · West Michigan Community Bank call report
- Holding company
- NORTHSTAR FINANCIAL GROUP, INC.
- Asset rank in state
- 14th of 72 in Michigan
Problem loans are rising at West Michigan Community Bank. The Hudsonville, Michigan bank had $1.2 billion in assets at June 30, 2026, up 13.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.40% of loans from 0.61% a year earlier. It carries problem assets equal to 15.6% of the capital and reserves that would absorb them, 4.3 times the median of 3.6% for the 880 banks with $1 billion to $10 billion in assets. It also holds about half of its deposits (46%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 30.9%).
Earnings jumped: net income for the quarter was $4.6 million, 85% above the same quarter a year earlier. The commercial and industrial book ($187 million) is worsening: 4.72% of it is past due or on nonaccrual, up from 0.17% a year earlier. Where it has less room is capital: it funds 9.22% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.49%).
As of June 30, 2026, West Michigan Community Bank reported a return on assets of 1.54%, a nonperforming-loan ratio of 1.40% and a Texas ratio of 15.57%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, West Michigan Community Bank is the 14th largest of the 72 banks headquartered in Michigan. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.3% to $1.21B, loans were flat and deposits rose 1.9%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 28.5% of total loans, ahead of commercial and industrial loans at 17.9%. Its 8 offices in the FDIC Summary of Deposits are in 5 cities in MI; its Hudsonville 2 offices book 34% of its branch deposits. On its Q2 2026 call report, West Michigan Community Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 3467 Kelly St, Hudsonville, MI 49426
- County
- Ottawa
- Metro Area
- Grand Rapids-Wyoming-Kentwood, MI
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 21, 1976
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 105
- Domestic deposits
- $1.07B
- Allowance for credit losses
- $14.5M
- Net charge-offs (YTD)
- $5K
- Average total assets
- $1.20B
- Average total loans
- $1.05B
- Average interest-bearing deposits
- $827.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- July 21, 1976
- FDIC Cert
- 22308
- Fed RSSD
- 715340
- Website
- www.wmcb.bank →
- Parent Holding Company
- NORTHSTAR FINANCIAL GROUP, INC. (RSSD 2958990)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, West Michigan Community Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, West Michigan Community Bank's total assets ran between $938.0M (Q3 2023) and $1.21B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.21B total assets against $1.07B; $1.11B total liabilities against $972.2M.
$1.03B net loans and leases against $915.1M; $1.07B total deposits against $929.8M.
$89.7M securities against $80.9M; $40.3M cash and balances due against $25.0M.
$17.2M total interest income against $15.4M; $6.3M total interest expense against $5.6M.
$10.9M net interest income against $9.8M.
$1.4M total noninterest income against $1.4M; $6.4M total noninterest expense against $5.8M.
$115K provision for credit losses against $2.2M.
$4.6M net income against $2.5M.
1.54% return on assets against 0.93%; 3.77% net interest margin against 3.82%.
9.22% tier 1 leverage ratio against 9.52%.
Inside the full West Michigan Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
West Michigan Community Bank rankings
Its closest position to the top of a national ranking is 286 of 3,640, for Texas Ratio; its furthest is 1,232 of 3,611, for ROA.
Metric pages for West Michigan Community Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.93% (Q2 2025) to 1.56% (Q4 2024) and its net interest margin ran from 3.73% (Q1 2025) to 3.92% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.22% | 1.54% | 1.40% | 15.57% | 3.77% |
| Q1 2026 | 8.98% | 1.38% | 1.43% | 16.23% | 3.73% |
| Q4 2025 | 8.89% | 1.36% | 0.31% | 6.60% | 3.80% |
| Q3 2025 | 9.68% | 1.42% | 0.80% | 6.89% | 3.92% |
| Q2 2025 | 9.52% | 0.93% | 0.61% | 5.21% | 3.82% |
| Q1 2025 | 9.38% | 1.11% | 0.96% | 8.32% | 3.73% |
| Q4 2024 | 9.18% | 1.56% | 1.00% | 9.02% | 3.81% |
| Q3 2024 | 9.77% | 1.52% | 1.04% | 8.93% | 3.76% |
Swipe the table sideways to see every column.
Branch Network
View all 8 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| West Michigan Community Bank (main office) | Hudsonville , MI | 49426 | $369.2M |
| Holland Branch | Holland , MI | 49423 | $228.7M |
| Zeeland Mi Branch | Zeeland , MI | 49464 | $137.5M |
| Downtown Grand Rapids Branch | Grand Rapids , MI | 49503 | $125.0M |
| Jenison Branch | Jenison , MI | 49428 | $92.5M |
| North Holland Branch | Holland , MI | 49424 | $63.8M |
| Cascade Branch | Grand Rapids , MI | 49546 | $57.2M |
| School Avenue Hudsonville Corporate Location | Hudsonville , MI | 49426 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in MI, rank 25 of 95 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 165 applications, 135 loans originated, $53.4M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $119K approved, $119K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2018 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about West Michigan Community Bank
What are West Michigan Community Bank's total assets?
As of the Q2 2026 filing, West Michigan Community Bank reported total assets of $1.21 billion in its FFIEC call report.
Where is West Michigan Community Bank headquartered?
It is headquartered in Hudsonville, MI, United States.
When was West Michigan Community Bank founded?
It was established in 1976, per the FDIC institution directory.
Is West Michigan Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #22308). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates West Michigan Community Bank?
West Michigan Community Bank's primary federal regulator is the Federal Reserve.
How many branches does West Michigan Community Bank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is West Michigan Community Bank's Texas Ratio?
Its Texas Ratio is 15.57% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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