BlastPoint's Banking Scorecard

Macatawa Bank, National Association

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

Holland, MI

28 branches across MI

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 18 in MI.
Deposits +4.9% year over year ($3.1B on the books).
Delinquency rate 0.08%.
Return on assets 1.77%.
Efficiency ratio 32.36% vs a 59.73% peer average.
Loan-to-deposit ratio 91.16% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

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

View $1B-$10B leaderboard (MI) →

Macatawa Bank, National Association shows strong momentum with 4 strengths and 5.9% YoY asset growth

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 14.0% in tier
+ Efficiency Ratio 27.36% below tier average
+ Delinquency Rate 0.79% below tier average
+ Net Interest Margin 0.44% above tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Macatawa Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Total Assets ?	$3.7B +5.9% YoY +6.0% QoQ	+$895.8M	$2.8B -0.6% YoY	$1.0B +6.5% YoY	$6.3B +7.7% YoY	78%
Total Loans ?	$2.8B +55.1% YoY +5.7% QoQ	+$833.3M	$2.0B -0.3% YoY	$767.2M +9.2% YoY	$3.2B +9.4% YoY	80%
Total Deposits ?	$3.1B +4.9% YoY +6.5% QoQ	+$749.0M	$2.3B -0.5% YoY	$806.0M +5.9% YoY	$4.9B +7.3% YoY	78%
Return on Assets ?	1.77% +72.9% YoY -10.7% QoQ	+0.38%	1.39% +17.0% YoY	1.18% +20.1% YoY	1.30% +12.1% YoY	81%
Net Interest Margin ?	4.31% +2.3% YoY -0.6% QoQ	+0.44%	3.87% +6.2% YoY	4.06% +4.7% YoY	3.95% +4.9% YoY	82%
Efficiency Ratio ?	32.36% -20.4% YoY +1.8% QoQ	-27.36%	59.73% -12.6% YoY	65.90% -5.4% YoY	70.05% +2.5% YoY	Top 2.6% in tier
Delinquency Rate ?	0.08% -51.7% YoY -58.0% QoQ	-0.79%	0.87% +11.7% YoY	0.85% +32.2% YoY	0.98% +16.3% YoY	Top 9.9% in tier
Loan-to-Deposit Ratio ?	91.16% +47.9% YoY -0.8% QoQ	+6.12%	85.04% -0.1% YoY	80.02% +3.0% YoY	79.03% +2.3% YoY	37%
Non-Interest-Bearing Deposit Share ?	22.62% -7.4% YoY -1.8% QoQ	+1.35%	21.27% -1.5% YoY	25.55% -0.4% YoY	21.98% -0.6% YoY	63%
Nonperforming Asset Ratio ?	0.07% -10.2% YoY -52.5% QoQ	-0.60%	0.67% +11.7% YoY	0.65% +27.6% YoY	0.69% +15.8% YoY	Top 12.3% in tier
Tier 1 Capital Ratio ?	11.37% -27.0% YoY -5.6% QoQ	-3.47%	14.84% -0.4% YoY	20.80% -0.9% YoY	17.09% +0.8% YoY	24%
Non-Interest Income / Assets ?	0.16% +24.9% YoY +88.7% QoQ	-0.37%	0.53% +2.5% YoY	0.38% +3.3% YoY	0.66% +5.2% YoY	21%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Noninterest-Bearing	22.6% -1.8pp YoY -0.4pp QoQ	+1.3pp	21.4%	25.9%	22.2%	63%
Brokered Deposits	12.4% +0.8pp YoY +0.9pp QoQ	+2.9pp	9.5%	12.3%	8.5%	76%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
C&I	48.6% -4.2pp YoY +0.9pp QoQ	+34.6pp	14.0%	12.8%	12.5%	98%
CRE	24.5% -6.2pp YoY -1.8pp QoQ	-25.6pp	50.0%	45.9%	41.4%	7%
1-4 Family	10.1% -3.2pp YoY 0.0pp QoQ	-16.3pp	26.4%	33.6%	31.3%	17%
Consumer	9.8% +9.6pp YoY 0.0pp QoQ	+5.1pp	4.7%	4.6%	5.0%	89%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
CET1 Ratio	11.4% -4.2pp YoY -0.7pp QoQ	-4.2pp	15.6%	26.9%	19.7%	15%
Leverage Ratio	10.7% +0.5pp YoY -0.1pp QoQ	-0.6pp	11.3%	12.3%	12.6%	54%
Total Capital Ratio	12.1% -4.5pp YoY -0.7pp QoQ	-4.6pp	16.7%	27.9%	20.8%	11%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Full-Time Employees	183 +4 (+2.2%) YoY +7 (+4.0%) QoQ	-131	313	134	482	35%
Assets per Employee ($)	$20.2M +3.6% YoY +2.0% QoQ	+$9.7M	$10.5M	$6.8M	$8.8M	95%
Branch Count	28 -1 (-3.4%) YoY 0 QoQ	+8	20	9	18	80%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -0.1pp YoY 0.0pp QoQ	-0.1pp	0.2%	0.2%	0.4%	40%
Nonaccrual	0.1% 0.0pp YoY -0.1pp QoQ	-0.8pp	0.8%	0.8%	1.0%	7%
Allowance Coverage	9.58x +20.9% YoY +131.4% QoQ	-9.13x	18.71x	6.79x	20.23x	88%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.2%	51%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
ROE	11.4% +4.8pp YoY -1.2pp QoQ	-1.2pp	12.6%	11.7%	11.6%	44%
Cost of Funds (YTD)	1.6% 0.0pp YoY 0.0pp QoQ	-0.3pp	1.9%	1.5%	1.7%	30%
Net Income ($, YTD)	$31.9M +85.8% YoY — QoQ	+$12.7M	$19.2M	$7.3M	$40.4M	83%

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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 (1)

Profitability Leader

growth

#32 of 222 • Top 14.0% in tier

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

Why this signature

Return on Assets: 1.77%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

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 885 peers in $1B-$10B

Top Strengths (8 metrics)

Efficiency Ratio

profitability

Value: 32.36%

Peer Median: 59.73%

#24 of 885 Top 2.6% in $1B-$10B

Delinquency Rate

credit_quality

Value: 0.08%

Peer Median: 0.87%

#88 of 882 Top 9.9% in $1B-$10B

110

Nonperforming Asset Ratio

credit_quality

Value: 0.07%

Peer Median: 0.67%

#110 of 885 Top 12.3% in $1B-$10B

164

Net Interest Margin

profitability

Value: 4.31%

Peer Median: 3.87%

#164 of 885 Top 18.4% in $1B-$10B

169

Return on Assets

profitability

Value: 1.77%

Peer Median: 1.39%

#169 of 885 Top 19.0% in $1B-$10B

176

Total Loans

size

Value: $2.80B

Peer Median: $1.96B

#176 of 885 Top 19.8% in $1B-$10B

193

Total Assets

size

Value: $3.69B

Peer Median: $2.79B

#193 of 885 Top 21.7% in $1B-$10B

195

Total Deposits

size

Value: $3.07B

Peer Median: $2.32B

#195 of 885 Top 21.9% in $1B-$10B

Top Weaknesses (2 metrics)

697

Non-Interest Income / Assets

revenue_mix

Value: 0.16%

Peer Median: 0.53%

#697 of 885 Bottom 21.4% in $1B-$10B

676

Tier 1 Capital Ratio

capital

Value: 11.37%

Peer Median: 14.84%

#676 of 885 Bottom 23.7% in $1B-$10B