BlastPoint's Banking Scorecard
West Michigan Community Bank
Hudsonville, MI
8 branches across MI
West Michigan Community Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 9.66% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.06% below tier average
- - Delinquency Rate 0.56% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+12.5% YoY
+0.9% QoQ
|
-$1.6B |
$2.8B
-0.1% YoY
|
$993.6M
+8.4% YoY
|
$6.2B
+9.1% YoY
|
17% |
| Total Loans ? |
$1.0B
+13.0% YoY
+2.0% QoQ
|
-$934.7M |
$2.0B
+0.6% YoY
|
$752.3M
+12.4% YoY
|
$3.2B
+10.8% YoY
|
33% |
| Total Deposits ? |
$1.1B
+13.8% YoY
+0.4% QoQ
|
-$1.3B |
$2.3B
-0.3% YoY
|
$797.0M
+7.4% YoY
|
$4.8B
+8.2% YoY
|
19% |
| Return on Assets ? |
1.37%
+22.4% YoY
+13.6% QoQ
|
+0.01% |
1.37%
+19.6% YoY
|
1.15%
+25.2% YoY
|
1.23%
+13.4% YoY
|
62% |
| Net Interest Margin ? |
3.76%
-1.0% YoY
-2.6% QoQ
|
-0.06% |
3.82%
+6.9% YoY
|
3.99%
+5.8% YoY
|
3.89%
+5.7% YoY
|
57% |
| Efficiency Ratio ? |
51.40%
-6.3% YoY
-1.3% QoQ
|
-9.66% |
61.06%
-4.6% YoY
|
66.95%
-6.2% YoY
|
66.95%
-4.1% YoY
|
75% |
| Delinquency Rate ? |
1.45%
+48.7% YoY
+355.8% QoQ
|
+0.56% |
0.89%
+14.1% YoY
|
0.77%
+21.7% YoY
|
0.95%
+18.8% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
97.75%
-0.7% YoY
+1.6% QoQ
|
+13.54% |
84.20%
+0.3% YoY
|
78.66%
+4.9% YoY
|
76.70%
+0.9% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
20.92%
-7.5% YoY
-0.8% QoQ
|
-0.37% |
21.29%
-2.5% YoY
|
24.69%
-2.1% YoY
|
22.01%
-1.2% YoY
|
56% |
| Nonperforming Asset Ratio ? |
1.59%
+91.3% YoY
+156.4% QoQ
|
+0.92% |
0.67%
+15.6% YoY
|
0.58%
+27.6% YoY
|
0.67%
+19.3% YoY
|
Bottom 10.2% in tier |
| Tier 1 Capital Ratio ? |
8.98%
-4.3% YoY
+0.9% QoQ
|
-6.18% |
15.16%
+2.0% YoY
|
20.91%
+0.5% YoY
|
17.06%
+0.8% YoY
|
Bottom 0.5% in tier |
| Non-Interest Income / Assets ? |
0.11%
-2.6% YoY
-74.7% QoQ
|
-0.14% |
0.26%
+1.6% YoY
|
0.19%
+5.8% YoY
|
0.32%
+4.1% YoY
|
38% |
Get Full Access to West Michigan Community Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.