West Michigan Community Bank: how it compares with its peers
Against 17 MI banks with half to twice its assets, West Michigan Community Bank's strongest measure in Q2 2026 is efficiency ratio (51.71% vs. a 67.21% peer median). Its weakest relative measure is net interest margin (3.79% vs. 3.97%).
| Measure | West Michigan Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.46% | 1.10% | Top third Ahead of 76% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.79% | 3.97% | Middle third Ahead of 35% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 51.71% | 67.21% | Top third Ahead of 94% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.5M | $6.1M | Top third Ahead of 94% of peers |
| Loans to deposits Net loans and leases over total deposits. | 95.92% | 90.70% | Context |
What it means for lending operations
Its efficiency ratio of 51.71% is better than the 67.21% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- University Bank Ann Arbor, MI · $1.24B
- Northstar Bank Bad Axe, MI · $1.16B
- First State Bank Eastpointe, MI · $1.35B
- United Bank of Michigan Grand Rapids, MI · $1.06B
- County National Bank Hillsdale, MI · $1.36B
- Superior National Bank Hancock, MI · $1.04B
Questions about West Michigan Community Bank
How big is West Michigan Community Bank?
West Michigan Community Bank, established in 1976, is headquartered in Hudsonville, MI. It reported $1.21B in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is West Michigan Community Bank's return on assets?
1.46% annualized in Q2 2026, against a 1.10% median for 17 MI banks with half to twice its assets, ahead of 76% of them.
What is West Michigan Community Bank's efficiency ratio?
51.71% in Q2 2026: it spent about 52 cents in noninterest expense for each dollar of revenue. The peer median is 67.21%, and lower is better.
Is West Michigan Community Bank growing its loans?
Net loans grew 12.6% over the year to Q2 2026, while deposits grew 15.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MI banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Michigan bank ranked.