🏦Bank Scorer

MACATAWA BANK

HOLLAND, MI · Supervised by FDIC

Est. 1997FDIC #34,618RSSD: FDIC-34618
Part ofWINTRUST FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: November 2021

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.98%

Institution Profile

FDIC BankFind

Address

10753 Macatawa Dr, HOLLAND, MI

County

Ottawa County

Established

November 25, 1997

Total Assets

$3.5B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 2021

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$3.5B

Total Deposits

$2.9B

Net Loans

$2.6B

Net Income

$18M

ROA

1.98%

ROE

12.63%

Risk-Based Capital

12.83%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate15.91%Peer avg: 9.91%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

29

Branch Deposits

$2.9B

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202384270.9%15.91%
202292373.78%14.84%
202194577.78%7.30%
20201,25674.2%7.64%
201982672.15%12.95%
201880667.12%14.89%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 2000

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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