Macatawa Bank, National Association: how it compares with its peers
Against 439 U.S. banks with half to twice its assets, Macatawa Bank, National Association's strongest measure in Q2 2026 is efficiency ratio (32.36% vs. a 58.07% peer median). Its weakest relative measure is return on assets (1.77% vs. 1.28%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.77% | 1.28% | Top third Ahead of 81% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.31% | 3.68% | Top third Ahead of 82% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 32.36% | 58.07% | Top third Ahead of 96% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $20.2M | $9.2M | Top third Ahead of 93% of peers |
| Loans to deposits Net loans and leases over total deposits. | 91.16% | 88.88% | Context |
What it means for lending operations
Its efficiency ratio of 32.36% is better than the 58.07% 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
- St. Charles Bank & Trust Company, National Association Saint Charles, IL · $3.69B
- D. L. Evans Bank Burley, ID · $3.70B
- ENCORE BANK Little Rock, AR · $3.70B
- Cornerstone Capital Bank, SSB Houston, TX · $3.67B
- The Bank of East Asia Ltd. New York, NY · $3.66B
- Bank of the Sierra Porterville, CA · $3.72B
Questions about Macatawa Bank, National Association
How big is Macatawa Bank, National Association?
Macatawa Bank, National Association, established in 1997, is headquartered in Holland, MI. It reported $3.69B in total assets in its Q2 2026 FDIC call report and operates 27 offices.
What is Macatawa Bank, National Association's return on assets?
1.77% annualized in Q2 2026, against a 1.28% median for 439 U.S. banks with half to twice its assets, ahead of 81% of them.
What is Macatawa Bank, National Association's efficiency ratio?
32.36% in Q2 2026: it spent about 32 cents in noninterest expense for each dollar of revenue. The peer median is 58.07%, and lower is better.
Is Macatawa Bank, National Association growing its loans?
Net loans grew 55.1% over the year to Q2 2026, while deposits grew 4.9%.
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 U.S. 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.