BlastPoint's Banking Scorecard
West Michigan Community Bank
Community
Specialty: Commercial
MI
FDIC cert 22308
Hudsonville, MI
1484
banks in Community tier nationally
28 in MI
View Community leaderboard (MI) →
West Michigan Community Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 50% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+13.1% YoY
+5.9% QoQ
|
-$205.4M |
$1.4B
+2.0% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
60% |
| Total Loans ? |
$1.0B
+12.9% YoY
+4.9% QoQ
|
+$34.7M |
$975.5M
+2.4% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
68% |
| Total Deposits ? |
$1.0B
+11.6% YoY
+8.8% QoQ
|
-$114.8M |
$1.2B
+1.7% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
62% |
| Return on Assets ? |
1.21%
-11.4% YoY
+4.1% QoQ
|
+0.04% |
1.16%
+17.2% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
56% |
| Net Interest Margin ? |
3.86%
+2.4% YoY
-0.5% QoQ
|
+0.20% |
3.66%
+9.1% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
63% |
| Efficiency Ratio ? |
52.07%
-2.2% YoY
-1.5% QoQ
|
-10.56% |
62.63%
-5.3% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
80% |
| Delinquency Rate ? |
0.32%
-68.8% YoY
-61.0% QoQ
|
-0.31% |
0.63%
+18.3% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
96.22%
+1.1% YoY
-3.6% QoQ
|
+13.16% |
83.06%
+0.3% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
21.08%
-8.5% YoY
-7.9% QoQ
|
+0.03% |
21.05%
-0.9% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
55% |
| Nonperforming Asset Ratio ? |
0.62%
-28.3% YoY
-11.1% QoQ
|
+0.12% |
0.50%
+20.3% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
33% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.45%
+0.9% YoY
+29.7% QoQ
|
-0.29% |
0.74%
-1.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
42% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Margin Compression
decline
#60 of 120 · Bottom 50% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.21%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
80
80th pctile
Efficiency Ratio
Current: 52.07% · Tier avg: 62.63%
68
68th pctile
Total Loans
Current: $1.0B · Tier avg: $975.5M
63
63th pctile
Net Interest Margin
Current: 3.86% · Tier avg: 3.66%
62
62th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
60
60th pctile
Delinquency Rate
Current: 0.32% · Tier avg: 0.63%
60
60th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
56
56th pctile
Return on Assets
Current: 1.21% · Tier avg: 1.16%
55
55th pctile
Non-Interest-Bearing Deposit Share
Current: 21.08% · Tier avg: 21.05%
42
42th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.74%
33
33th pctile
Nonperforming Asset Ratio
Current: 0.62% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
21
21th pctile
Loan-to-Deposit Ratio
Current: 96.22% · Tier avg: 83.06%
Top Weaknesses
21
21th pctile
Loan-to-Deposit Ratio
Current: 96.22% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
33
33th pctile
Nonperforming Asset Ratio
Current: 0.62% · Tier avg: 0.50%
42
42th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.74%
55
55th pctile
Non-Interest-Bearing Deposit Share
Current: 21.08% · Tier avg: 21.05%
56
56th pctile
Return on Assets
Current: 1.21% · Tier avg: 1.16%
60
60th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
60
60th pctile
Delinquency Rate
Current: 0.32% · Tier avg: 0.63%
62
62th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
63
63th pctile
Net Interest Margin
Current: 3.86% · Tier avg: 3.66%
68
68th pctile
Total Loans
Current: $1.0B · Tier avg: $975.5M
80
80th pctile
Efficiency Ratio
Current: 52.07% · Tier avg: 62.63%