Macatawa Bank, National Association
Holland, MI
IDRSSD: 2634351
Total Assets
$3.66B
Latest filing
Total Deposits
$3.06B
Latest filing
Net Interest Margin
4.76%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
072413845HOLLAND, MI
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Macatawa Bank, National Association
10753 Macatawa Dr
Holland, MI 49424
Limited Service - Administrative
Updated 01/30/2026Established 11/25/1997FDIC Certificate 60841
Branches (27)
Page 1 of 4| Name | Address | City / State |
|---|---|---|
| Macatawa Bank, National Association (Main) | 10753 Macatawa Dr | Holland, MI |
| SOUTHSIDE HOLLAND BRANCH | 701 Maple Ave | Holland, MI |
| JENISON BRANCH | 2020 Baldwin St | Jenison, MI |
| ALLENDALE BRANCH | 6299 Lake Michigan Dr | Allendale, MI |
| NORTHSIDE BRANCH | 489 Butternut Dr | Holland, MI |
| ZEELAND STATE STREET BRANCH | 41 N State St | Zeeland, MI |
| DOUGLAS BRANCH | 132 Blue Star Hwy | Douglas, MI |
| EASTSIDE BRANCH | 699 E 16th St | Holland, MI |
Showing 7 of 27
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 11/25/1997 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 49424 |
| State and County Number | 26139 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Grand Rapids-Kentwood, MI |
Operational Info
| Number of Employees | 172 |
| Domestic Offices | 29 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2025 |
| Date of Deposit Insurance | 11/25/1997 |
| Primary Insurance Agency | DIF |
| Website | www.macatawabank.com |
| Data Updated | 01/30/2026 |
| CERT | 34618 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $3.66B |
| Total Deposits | $3.06B |
| Total Liabilities | $3.10B |
| Total Equity Capital | $563.00M |
| Net Income | $15.85M |
| Net Loans and Leases | $2.69B |
| Assets Per Employee ($Millions) | $20.7M |
| Bank Premises and Fixed Assets | $49.66M |
| Cash and Balances due from Depository Institutions | $202.47M |
| Deposits Held in Domestic Offices | $3.06B |
Key Performance Ratios
| Return on Assets (ROA) | 1.77% |
| Return on Equity (ROE) | 11.43% |
| Net Interest Margin | 4.76% |
| Efficiency Ratio | 31.9% |
| Tier 1 Risk-Based Capital Ratio | 11.801% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.1% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 15.366% |
| Earning Assets to total Assets | 82.97% |
Income and Expense
| Total Interest Income | $47.92M |
| Total Noninterest Income | $3.01M |
| Total Interest Expense | $12.37M |
| Total Noninterest Expense | $16.51M |
| Net Interest Income | $35.55M |
| Pre-tax Net Operating Income | $21.17M |
| Provision for Credit Losses | $875.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $38.44M |
| Total Liabilities and Capital | $3.66B |
Securities
| Securities | $179.42M |
| Available-for-sale debt securities | $179.42M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $2.85M |
| Trading Liabilities | $2.85M |
Frequently Asked Questions
What are the total assets of Macatawa Bank, National Association?
$3.66B as of the latest filing.
How much are Macatawa Bank, National Association's total deposits?
$3.06B in total deposits.
Where is Macatawa Bank, National Association located?
Holland, MI.
What is the Net Interest Margin?
4.76%.
How many domestic offices does it operate?
29.
When was it established?
11/25/1997.
What is the Return on Assets (ROA)?
1.77%.
How much are total loans and leases?
$2.69B (latest filing).
What is the total interest income (latest filing)?
$47.92M.