BlastPoint's Banking Scorecard
Macatawa Bank, National Association
Community
Specialty: Commercial
MI
FDIC cert 34618
Holland, MI
1484
banks in Community tier nationally
28 in MI
View Community leaderboard (MI) →
Macatawa Bank, National Association has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 4% in Community
- + Efficiency Ratio 27.92% below tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 3% in Community
- - Credit Quality Pressure: Bottom 17% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.7B
+11.6% YoY
+4.1% QoQ
|
+$2.3B |
$1.4B
+2.0% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
Top 5% in tier |
| Total Loans ? |
$2.7B
+63.2% YoY
+6.4% QoQ
|
+$1.7B |
$975.5M
+2.4% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
Top 4% in tier |
| Total Deposits ? |
$3.1B
+11.8% YoY
+3.9% QoQ
|
+$1.9B |
$1.2B
+1.7% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
Top 5% in tier |
| Return on Assets ? |
1.39%
+146.2% YoY
+10.3% QoQ
|
+0.23% |
1.16%
+17.2% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
68% |
| Net Interest Margin ? |
4.51%
+104.9% YoY
+1.7% QoQ
|
+0.84% |
3.66%
+9.1% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Top 13% in tier |
| Efficiency Ratio ? |
34.72%
+17.0% YoY
-2.9% QoQ
|
-27.92% |
62.63%
-5.3% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
Top 2% in tier |
| Delinquency Rate ? |
0.14%
+112.6% YoY
+4.8% QoQ
|
-0.49% |
0.63%
+18.3% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
87.77%
+46.0% YoY
+2.4% QoQ
|
+4.71% |
83.06%
+0.3% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
24.55%
-9.5% YoY
+0.4% QoQ
|
+3.51% |
21.05%
-0.9% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
68% |
| Nonperforming Asset Ratio ? |
0.10%
+210.9% YoY
+7.1% QoQ
|
-0.39% |
0.50%
+20.3% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
77% |
| Tier 1 Capital Ratio ? |
11.80%
-23.9% YoY
-1.8% QoQ
|
+1.56% |
10.24%
-0.6% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
45% |
| Non-Interest Income / Assets ? |
0.27%
+35.4% YoY
+38.6% QoQ
|
-0.47% |
0.74%
-1.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
19% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#16 of 371 · Top 4% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.14%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Efficiency Ratio
metric
Top 2%
in Community
Why this stands out
Current:
34.72%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (2)
Cost Spiral
risk
#2 of 40 · Bottom 3% in Community
Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Why this signature
Efficiency Ratio:
34.72%
(Tier: 62.63%, National: 65.09%)
40 of 40 Community banks match
·
50 nationally
↓ Shrinking
-10 banks QoQ
|
QoQ rank improving
Credit Quality Pressure
risk
#140 of 808 · Bottom 17% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.14%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
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
98
98th pctile
Efficiency Ratio
Current: 34.72% · Tier avg: 62.63%
96
96th pctile
Total Loans
Current: $2.7B · Tier avg: $975.5M
95
95th pctile
Total Assets
Current: $3.7B · Tier avg: $1.4B
95
95th pctile
Total Deposits
Current: $3.1B · Tier avg: $1.2B
87
87th pctile
Net Interest Margin
Current: 4.51% · Tier avg: 3.66%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
77
77th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.63%
68
68th pctile
Return on Assets
Current: 1.39% · Tier avg: 1.16%
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 24.55% · Tier avg: 21.05%
45
45th pctile
Tier 1 Capital Ratio
Current: 11.80% · Tier avg: 10.24%
42
42th pctile
Loan-to-Deposit Ratio
Current: 87.77% · Tier avg: 83.06%
19
19th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.74%
Top Weaknesses
19
19th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.74%
42
42th pctile
Loan-to-Deposit Ratio
Current: 87.77% · Tier avg: 83.06%
45
45th pctile
Tier 1 Capital Ratio
Current: 11.80% · Tier avg: 10.24%
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 24.55% · Tier avg: 21.05%
68
68th pctile
Return on Assets
Current: 1.39% · Tier avg: 1.16%
77
77th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.63%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
87
87th pctile
Net Interest Margin
Current: 4.51% · Tier avg: 3.66%
95
95th pctile
Total Deposits
Current: $3.1B · Tier avg: $1.2B
95
95th pctile
Total Assets
Current: $3.7B · Tier avg: $1.4B
96
96th pctile
Total Loans
Current: $2.7B · Tier avg: $975.5M
98
98th pctile
Efficiency Ratio
Current: 34.72% · Tier avg: 62.63%