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Macatawa Bank National Association

IDRSSD: 2634351
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
88
/ 100
StrongAs of 2025-Q3QoQ -8

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q3

Bank #2634351 2025-Q3 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

Liquidity:Strong
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Strong

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q2 2025:
↓ -8 ptscomposite
  • Liquidity
    ↓ -11
  • Securities
    — —
  • Capitalization
    ↓ -22
  • Asset Quality
    ↑ +2
  • Reserves
    ↓ -9

The five pillars

Liquidity

StrongQoQ -11
81
Sub-score

Liquidity is strong: brokered 11.9%, loans/deposits 85.7%, cash 8.5% of assets.

Cash / Assets
8.53%
Loans / Deposits
85.71%
Brokered %
11.87%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StableQoQ -22
77
Sub-score

Capital position is stable: Tier 1 RBC 12.02%, CET1 12.02%, leverage 9.60%.

Tier 1 RBC
12.02%
CET1
12.02%
Leverage
9.60%
No watch items at this period.

Asset Quality

StrongQoQ +2
100
Sub-score

Asset quality is strong: Adjusted NPL 0.14%, Texas Ratio 0.9%, NCO YTD 0.03%.

Adjusted NPL
0.14%
Govt-guarantees stripped
Texas Ratio
0.9%
NCO YTD
0.03%
30-89 PD
0.33%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -9
82
Sub-score

Reserves are strong: ALLL 0.97% of loans, coverage 727.7%, true coverage 727.7%.

ALLL / Loans
0.97%
Coverage
727.7%
True Loss Coverage
727.7%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 04:22:12 UTC