West Michigan Community Bank
Hudsonville, MI
IDRSSD: 715340
Total Assets
$1.12B
Latest filing
Total Deposits
$964.85M
Latest filing
Net Interest Margin
3.98%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
West Michigan Community Bank
3467 Kelly St
Hudsonville, MI 49426
Full Service - Brick and Mortar
Updated 11/14/2025Established 07/21/1976FDIC Certificate 15517
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| West Michigan Community Bank (Main) | 3467 Kelly St | Hudsonville, MI |
| JENISON BRANCH | 437 Baldwin St | Jenison, MI |
| HOLLAND BRANCH | 99 E 8th St | Holland, MI |
| DOWNTOWN GRAND RAPIDS BRANCH | 51 Ionia Ave Sw | Grand Rapids, MI |
| SCHOOL AVENUE HUDSONVILLE CORPORATE LOCATION | 5367 School Ave | Hudsonville, MI |
| ZEELAND MI BRANCH | 107 N State St | Zeeland, MI |
| NORTH HOLLAND BRANCH | 82 Douglas Ave | Holland, MI |
| CASCADE BRANCH | 4797 Cascade Rd Se | Grand Rapids, MI |
Showing 7 of 7
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, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 07/21/1976 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 49426 |
| State and County Number | 26139 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 13 |
| 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 | 98 |
| Domestic Offices | 8 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 10/09/2022 |
| Date of Deposit Insurance | 07/21/1976 |
| Primary Insurance Agency | DIF |
| Website | www.wmcb.bank |
| Data Updated | 11/14/2025 |
| CERT | 22308 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.12B |
| Total Deposits | $964.85M |
| Total Liabilities | $1.02B |
| Total Equity Capital | $100.78M |
| Net Income | $3.90M |
| Net Loans and Leases | $962.73M |
| Assets Per Employee ($Millions) | $12.18M |
| Bank Premises and Fixed Assets | $12.87M |
| Cash and Balances due from Depository Institutions | $23.92M |
| Deposits Held in Domestic Offices | $964.85M |
Key Performance Ratios
| Return on Assets (ROA) | 1.43% |
| Return on Equity (ROE) | 15.87% |
| Net Interest Margin | 3.98% |
| Efficiency Ratio | 51.58% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.27% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.998% |
| Earning Assets to total Assets | 94.64% |
Income and Expense
| Total Interest Income | $15.96M |
| Total Noninterest Income | $1.26M |
| Total Interest Expense | $5.70M |
| Total Noninterest Expense | $5.94M |
| Net Interest Income | $10.25M |
| Pre-tax Net Operating Income | $4.83M |
| Provision for Credit Losses | $750.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $48.00M |
| All Other Liabilities | $5.82M |
| Total Liabilities and Capital | $1.12B |
Securities
| Securities | $86.78M |
| Available-for-sale debt securities | $84.13M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $1.74M |
| Subordinated Debt | $0 |
| Trading Account Assets | $692.00k |
| Trading Liabilities | $692.00k |
Frequently Asked Questions
What are the total assets of West Michigan Community Bank?
$1.12B as of the latest filing.
How much are West Michigan Community Bank's total deposits?
$964.85M in total deposits.
Where is West Michigan Community Bank located?
Hudsonville, MI.
What is the Net Interest Margin?
3.98%.
How many domestic offices does it operate?
8.
When was it established?
07/21/1976.
What is the Return on Assets (ROA)?
1.43%.
How much are total loans and leases?
$962.73M (latest filing).
What is the total interest income (latest filing)?
$15.96M.