BlastPoint's Banking Scorecard

Macatawa Bank, National Association

$1B-$10B Specialty: Commercial MI FDIC cert 34618

Holland, MI

28 branches across MI

884 banks in the $1B-$10B peer group nationally 18 in MI

Macatawa Bank, National Association has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 10.0% in tier
+ Credit Quality Leader: Top 13.2% in tier
+ Efficiency Ratio 29.28% below tier average
+ Net Interest Margin 0.52% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 9.2% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Total Assets ?	$3.5B +5.0% YoY -5.0% QoQ	+$663.8M	$2.8B -0.1% YoY	$993.6M +8.4% YoY	$6.2B +9.1% YoY	76%
Total Loans ?	$2.6B +59.6% YoY -1.4% QoQ	+$682.1M	$2.0B +0.6% YoY	$752.3M +12.4% YoY	$3.2B +10.8% YoY	78%
Total Deposits ?	$2.9B +4.5% YoY -5.9% QoQ	+$536.7M	$2.3B -0.3% YoY	$797.0M +7.4% YoY	$4.8B +8.2% YoY	76%
Return on Assets ?	1.98% +65.2% YoY +42.6% QoQ	+0.62%	1.37% +19.6% YoY	1.15% +25.2% YoY	1.23% +13.4% YoY	Top 10.6% in tier
Net Interest Margin ?	4.34% +1.8% YoY -3.8% QoQ	+0.52%	3.82% +6.9% YoY	3.99% +5.8% YoY	3.89% +5.7% YoY	84%
Efficiency Ratio ?	31.78% -20.6% YoY -8.5% QoQ	-29.28%	61.06% -4.6% YoY	66.95% -6.2% YoY	66.95% -4.1% YoY	Top 2.7% in tier
Delinquency Rate ?	0.18% +31.5% YoY +30.5% QoQ	-0.70%	0.89% +14.1% YoY	0.77% +21.7% YoY	0.95% +18.8% YoY	80%
Loan-to-Deposit Ratio ?	91.91% +52.8% YoY +4.7% QoQ	+7.70%	84.20% +0.3% YoY	78.66% +4.9% YoY	76.70% +0.9% YoY	32%
Non-Interest-Bearing Deposit Share ?	23.04% -7.2% YoY -6.2% QoQ	+1.75%	21.29% -2.5% YoY	24.69% -2.1% YoY	22.01% -1.2% YoY	65%
Nonperforming Asset Ratio ?	0.16% +123.8% YoY +51.6% QoQ	-0.52%	0.67% +15.6% YoY	0.58% +27.6% YoY	0.67% +19.3% YoY	79%
Tier 1 Capital Ratio ?	12.05% -25.6% YoY +2.1% QoQ	-3.11%	15.16% +2.0% YoY	20.91% +0.5% YoY	17.06% +0.8% YoY	32%
Non-Interest Income / Assets ?	0.08% +17.3% YoY -68.6% QoQ	-0.17%	0.26% +1.6% YoY	0.19% +5.8% YoY	0.32% +4.1% YoY	24%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Profitability Leader

growth

#23 of 221 • Top 10.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.98%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ

Credit Quality Leader

growth

#30 of 220 • Top 13.2% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.18%

(Tier: 0.89%, National: 0.95%)

better than tier avg

220 of 220 Mid-Market banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank declining

Concerns (1)

Credit Quality Pressure

risk

#48 of 513 • Bottom 9.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.18%

(Tier: 0.89%, National: 0.95%)

better than tier avg

513 of 513 Mid-Market banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (8 metrics)

Efficiency Ratio

profitability

Value: 31.78%

Peer Median: 61.06%

#25 of 884 Top 2.7% in $1B-$10B

Return on Assets

profitability

Value: 1.98%

Peer Median: 1.37%

#95 of 884 Top 10.6% in $1B-$10B

143

Net Interest Margin

profitability

Value: 4.34%

Peer Median: 3.82%

#143 of 884 Top 16.1% in $1B-$10B

173

Delinquency Rate

credit_quality

Value: 0.18%

Peer Median: 0.89%

#173 of 880 Top 19.5% in $1B-$10B

191

Nonperforming Asset Ratio

credit_quality

Value: 0.16%

Peer Median: 0.67%

#191 of 884 Top 21.5% in $1B-$10B

196

Total Loans

size

Value: $2.65B

Peer Median: $1.96B

#196 of 884 Top 22.1% in $1B-$10B

210

Total Assets

size

Value: $3.48B

Peer Median: $2.82B

#210 of 884 Top 23.6% in $1B-$10B

213

Total Deposits

size

Value: $2.88B

Peer Median: $2.34B

#213 of 884 Top 24.0% in $1B-$10B

Top Weaknesses (1 metrics)

669

Non-Interest Income / Assets

revenue_mix

Value: 0.08%

Peer Median: 0.26%

#669 of 884 Bottom 24.4% in $1B-$10B