West Michigan Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks West Michigan Community Bank of Hudsonville, MI against its peer group of 931 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 | 1.54% | 1.44% | +0.10% | 69th above |
| ROAE | 17.71% | 12.50% | +5.21% | 83rd top |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.77% | 3.84% | -0.07% | 54th above |
| Efficiency Ratio | 51.68% | 58.88% | -7.20% | 71st above |
| PPNR / Avg Assets | 1.96% | 1.78% | +0.18% | 66th above |
| Yield on Earning Assets | 5.95% | 5.71% | +0.24% | 74th above |
| Cost of Funds | 2.31% | 2.03% | +0.28% | 30th below |
| Net Interest Spread | 3.05% | 3.18% | -0.13% | 48th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.40% | 0.96% | +0.44% | 20th bottom |
| NPA / Total Assets | 1.55% | 0.75% | +0.80% | 11th bottom |
| NCO / Avg Loans | 0.00% | 0.31% | -0.31% | 71st above |
| ACL / Total Loans | 1.39% | 1.25% | +0.14% | 80th top |
| ACL / NPLs (Coverage) | 99.36% | 699.50% | -600.14% | 29th below |
| Texas Ratio | 15.57% | 7.15% | +8.42% | 11th bottom |
| Provision / NCO | 16900.00% | 793.02% | +16106.98% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.22% | 11.60% | -2.38% | 16th bottom |
| Equity / Assets | 8.75% | 11.33% | -2.58% | 17th bottom |
| TCE / Tangible Assets | 8.75% | 10.65% | -1.90% | 26th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 97.27% | 86.34% | +10.93% | 23rd bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.73% | 85.55% | +2.18% | 45th below |
| Uninsured Deposit Ratio | 46.30% | 32.69% | +13.61% | 14th bottom |
| Wholesale Funding Ratio | 1.98% | 5.46% | -3.48% | 69th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 13.49% | 10.45% | +3.04% | 84th top |
| Loan Growth (Y/Y) | 12.67% | 7.99% | +4.68% | 80th top |
| Deposit Growth (Y/Y) | 15.49% | 7.97% | +7.52% | 86th top |
See West Michigan Community Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock West Michigan Community Bank, 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 West Michigan Community Bank profile, how to read a UBPR, or how this data updates.