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West Michigan Community Bank

Based on 2 reviews
West Michigan Community Bank
Overview / Commentary
5367 School Avenue
Hudsonville, MI 49426

West Michigan Community Bank is headquartered in Hudsonville and is the 62nd largest bank in the state of Michigan. It is also the 2,905th largest bank in the nation. It was established in 1976 and as of March of 2014, it had grown to 64 employees at 8 locations. West Michigan Community Bank has a A+ health rating.

Reviews (2)

Under Funded And Unable To Do Good Buisness

This bank is by far the worst lender that I have ever had ths misfortune to deal with. The staff is hard to get a hold of. They lost FDIC acrediation at one point. I do not trust them to hold my funds any longer. 

Customer Service?

Worst bank to deal with ever! Ever since they were bought out they could care less about anything or anyone! I was a 20 year customer and left them when they cleaned house and came up with new policies.


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 West Michigan Community Bank had $40,000 in non-current loans and owned real-estate with $20.87 million in equity and loan loss allowances on hand to cover it. This gives West Michigan Community Bank a Texas Ratio of 0.19% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for West Michigan Community Bank decreased dramatically from 2.83% as of March 31, 2013 to 0.19% as of March 31, 2014, resulting in a positive change of 93.23%.This indicates that the balance sheet and financial strength for West Michigan Community Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, West Michigan Community Bank has increased its total deposits by $51.58 million, resulting in 37.84% 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 West Michigan Community Bank has shown is excellent.



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. West Michigan Community Bank has $213.24 million in assets with $20.87 million in equity, resulting in a capitalization level of 9.79%, which is above average.

Institution Statistics

FDIC Certificate #22308
Year Established1976
Primary RegulatorFDIC
Assets and Liabilities
Assets$213.24 million
Loans$164.59 million
Deposits$187.89 million
Equity Capital$19.02 million
Loan Loss Allowance$1.85 million
Unbacked Noncurrent Loans$40,000
Real Estate Owned$0
Historic Data - March 2013
Assets$160.68 million
Equity Capital$18.01 million
Loan Loss Allowance$1.35 million
Unbacked Noncurrent Loans$40,000
Real Estate Owned$487,000
Profit Margin - Quarterly
Net Interest Margin3.75%
Return on Assets0.54%
Return on Equity5.86%
Interest Income$1.99 million

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West Michigan Community Bank Locations
Grand Rapids Mi Branch177 Ottawa Avenue NWGrand Rapids, MI 49503
North Holland Branch3493 West Shore DriveHolland, MI 49424
Jenison Branch437 Baldwin StreetJenison, MI 49428
Hudsonville Corporate Office5367 School AvenueHudsonville, MI 49426
West Michigan Community Bank5367 School AvenueHudsonville, MI 49426
Zeeland Branch59 West Washington Street, Unit KZeeland, MI 49464
Holland Branch99 East 8th StreetHolland, MI 49423