Visbanking Logo
Skip to main content

Macatawa Bank National Association

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

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2025-Q4QoQ -4

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

Quarterly Headline

2025-Q4

Bank #2634351 2025-Q4 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q3 2025:
↓ -4 ptscomposite
  • Liquidity
    ↓ -8
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -7
  • Reserves
    ↓ -3

The five pillars

Liquidity

StableQoQ -8
73
Sub-score

Liquidity is stable: brokered 12.0%, loans/deposits 87.8%, cash 5.5% of assets.

Cash / Assets
5.53%
Loans / Deposits
87.77%
Brokered %
11.96%
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 -1
76
Sub-score

Capital position is stable: Tier 1 RBC 11.80%, CET1 11.80%, leverage 10.19%.

Tier 1 RBC
11.80%
CET1
11.80%
Leverage
10.19%
No watch items at this period.

Asset Quality

StrongQoQ -7
93
Sub-score

Asset quality is strong: Adjusted NPL 0.14%, Texas Ratio 1.0%, NCO YTD 0.08%.

Adjusted NPL
0.14%
Govt-guarantees stripped
Texas Ratio
1.0%
NCO YTD
0.08%
30-89 PD
1.50%
Band 0.3% / 3.0%
90+ PD
0.04%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -3
79
Sub-score

Reserves are stable: ALLL 0.87% of loans, coverage 621.0%, true coverage 610.6%.

ALLL / Loans
0.87%
Coverage
621.0%
True Loss Coverage
610.6%
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