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Macatawa Bank, National Association
Holland, MI·FDIC Cert #34618·Charter: OCC·Est. 19971125.0·HC: WINTRUST FINANCIAL CORP
Total Assets
$3.7B
Q4 2025
Return on Assets
1.39%
+0.13%Peer avg: 1.25%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
34.72%
Peer avg: 57.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
63
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.39%+0.13
ROE
8.96%+0.86
Efficiency
34.72%-1.05
Equity/Assets
0.00%+0.00
NPL Ratio
0.14%+0.01
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
87.77%+2.07
Charge-offs
0.04%+0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.5 | 1.6 | 0.1 | 0.6 | 1.2 | 1.0 | 1.3 | 1.4 |
| ROE | 14.6 | 14.7 | 0.6 | 4.3 | 7.6 | 6.6 | 8.1 | 9.0 |
| Efficiency | 49.9 | 49.4 | 26.7 | 29.7 | 40.0 | 40.6 | 35.8 | 34.7 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.0 | 0.0 | 0.0 | 0.1 | 0.1 | 0.2 | 0.1 | 0.1 |
| Charge-offs | 0.0 | -0.0 | -0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 57.8 | 56.8 | 63.7 | 60.1 | 60.2 | 61.6 | 85.7 | 87.8 |
Balance Sheet
Total Assets$3.7B
Total Deposits$3.1B
Total Loans$2.7B
Total Equity$563.0M
Profitability
ROA1.39%
ROE8.96%
Efficiency Ratio34.72%
Net Income$48.0M
Risk & Asset Quality
NPL Ratio0.14%
Charge-off Rate0.04%
Loan/Deposit87.77%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans