B
Macatawa Bank, National Association
HollandMI
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Macatawa Bank, National Association
Holland, MI
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Rating B
Asset Quality Index 6.80
Capitalization Index 8.80
Liquidity Index 2.50
Profitability Index 6.50
Stability Index 5.70
Company Info Macatawa Bank, National Association
Holland, MI
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FDIC Number 34618
Phone Number (616) 820-1444
Website www.macatawabank.com
Asset Quality Macatawa Bank, National Association
Holland, MI
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1-Year Asset Growth 14.02%
5-Year Asset Growth 11.75%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 0.09%
Non-Performing Loans to Capital 0.94%
Non-Performing Loans to Loans 0.12%
Balance Sheet Macatawa Bank, National Association
Holland, MI
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Total Assets 3.52B
Total Deposits 2.94B
Capital and Reserves Macatawa Bank, National Association
Holland, MI
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Capital 546.80M
Leverage Ratio 10.22
Loan Loss Reserves to Loans 0.97%
Risk-Based Capital Ratio 12.87
Liquidity Macatawa Bank, National Association
Holland, MI
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Hot Money Ratio 6.03%
Liquidity Ratio 14.75%
Profitability Macatawa Bank, National Association
Holland, MI
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5-Year Return on Average Assets 1.29%
Net Income 32.15M
Net Interest Spread 4.35%
Operating Profit to Average Assets 1.72%
Overhead Efficiency Ratio 49.06%
Return on Assets 1.28%
Return on Equity 8.11%