Macatawa Bank National Assn (FDIC #34618): Bank Stress & Real-Estate Credit Exposure
Macatawa Bank National Assn (FDIC Cert #34618): bank stress 37/100, contained, STABLE over 7 days; parent WINTRUST FINANCIAL CORP (WTFC).
Macatawa Bank National Assn (#34618) lends in 3 counties across 1 state; Macatawa Bank National Assn (#34618) reaches 72 ZIP codes: Michigan 3 counties, 72 ZIPs.
Macatawa Bank National Assn (#34618) largest markets: Kent County, MI (429 branches, 39 ZIPs) (#34618), Allegan County, MI (50 branches, 25 ZIPs) (#34618), Ottawa County, MI (375 branches, 25 ZIPs) (#34618).
Macatawa Bank National Assn (#34618) reports $3.69 billion in total assets; Macatawa Bank National Assn (#34618) equity $556.9 million (15.1% of Macatawa Bank National Assn (#34618) assets); Macatawa Bank National Assn (#34618) domestic deposits $3.07 billion; Macatawa Bank National Assn (#34618) net income $31.9 million; Macatawa Bank National Assn (#34618) return on assets 1.77%; Macatawa Bank National Assn (#34618) return on equity 11.42%; Macatawa Bank National Assn (#34618) net interest income $66.6 million; Macatawa Bank National Assn (#34618) call report June 30, 2026.
Macatawa Bank National Assn (#34618) noncurrent real-estate loans: none reported; Macatawa Bank National Assn (#34618) net charge-offs on real estate 0.04%.
Macatawa Bank National Assn (#34618) net interest margin 4.31% against an eight-quarter Macatawa Bank National Assn (#34618) average of 3.69% (Macatawa Bank National Assn (#34618) compression -0.62 points); Macatawa Bank National Assn (#34618) rate-exposure score 40/100, Macatawa Bank National Assn (#34618) fixed-rate trap 40/100; Macatawa Bank National Assn (#34618) risk type market signal; Macatawa Bank National Assn (#34618) rate regime rates elevated; Macatawa Bank National Assn (#34618) shares 13.4% below the 52-week high, Macatawa Bank National Assn (#34618) equity trend weakening, Macatawa Bank National Assn (#34618) snapshot October 19, 2026.
Macatawa Bank National Assn (#34618) stress score moved from 28.3 on June 22, 2026 to 37.2 on October 19, 2026; Macatawa Bank National Assn (#34618) ranged 28.3 to 37.2 over 116 snapshots.
Macatawa Bank National Assn (#34618) alerts: 3 counties; top Macatawa Bank National Assn (#34618) alert scores: Hamilton County, MI 18 (low); Wyoming County, MI 18 (low); Zeeland County, MI 18 (low).