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Overview / Commentary
10753 Macatawa Drive
Holland, MI 49424

Macatawa Bank is headquartered in Holland and is the 5th largest bank in the state of Michigan. It is also the 462nd largest bank in the nation. It was established in 1997 and as of March of 2014, it had grown to 355 employees at 30 locations. Macatawa Bank has a B health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Macatawa Bank had $49.58 million in non-current loans and owned real-estate with $190.52 million in equity and loan loss allowances on hand to cover it. This gives Macatawa Bank a Texas Ratio of 26.02% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Macatawa Bank decreased slightly from 34.54% as of March 31, 2013 to 26.02% as of March 31, 2014, resulting in a positive change of 24.67%.This indicates that the balance sheet and financial strength for Macatawa Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Macatawa Bank has decreased its total deposits by -$21.35 million, resulting in -1.72% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Macatawa Bank has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Macatawa Bank has $1.49 billion in assets with $190.52 million in equity, resulting in a capitalization level of 12.81%, which is excellent.

Institution Statistics

FDIC Certificate #34618
Year Established1997
Primary RegulatorFDIC
Assets and Liabilities
Assets$1.49 billion
Loans$1.01 billion
Deposits$1.22 billion
Equity Capital$170.14 million
Loan Loss Allowance$20.38 million
Unbacked Noncurrent Loans$15.54 million
Real Estate Owned$34.04 million
Historic Data - March 2013
Assets$1.50 billion
Equity Capital$166.88 million
Loan Loss Allowance$23.49 million
Unbacked Noncurrent Loans$15.54 million
Real Estate Owned$51.59 million
Profit Margin - Quarterly
Net Interest Margin3.28%
Return on Assets0.78%
Return on Equity6.98%
Interest Income$11.97 million

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Macatawa Bank has 30 locations. Click to view all Macatawa Bank locations.