How Big Is Macatawa Bank?
Macatawa Bank holds $2.7B in total assets and $2.3B in deposits, making it a mid-size bank by U.S. standards. By total assets it is the 426th-largest of the 3,960 FDIC-insured banks we track — in the top 11% by size. Those figures come from Macatawa Bank's latest FDIC call report (cert #34618); it is a strong regional or community bank, with $1 billion to $10 billion in assets.
This page answers a common banking-safety question: How Big Is Macatawa Bank?. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Macatawa Bank Size at a Glance
- Total assets
- $2.7B
- Total deposits
- $2.3B
- Domestic deposits
- $2.3B
- Size class
- mid-size bank
- Rank by assets
- #426 of 3,960
- Headquarters
- Holland, Michigan
Source: FDIC Call Report data (cert #34618). Figures reflect the latest reported quarter.
With $2.7B in total assets, Macatawa Bank is a strong regional or community bank, with $1 billion to $10 billion in assets. Nationally, that makes it the 426th-largest of the 3,960 FDIC-insured banks we track, in the top 11% by size. The bank funds those assets largely with $2.3B in customer deposits — a typical structure for a U.S. bank, where deposits are the primary funding source for lending.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 18.04% | 100/100 |
| Nonperforming Loan Ratio | 0.01% | 100/100 |
| Liquidity Ratio | 44.97% | 100/100 |
| Return on Assets | 1.94% | 98/100 |
| Total Assets | $2.7B | |
How does Macatawa Bank compare?
With a Bank Health Score of 100/100, Macatawa Bank sits 30.0 points above the national average of 70/100 for FDIC-insured banks. Within Michigan, where 69 FDIC-insured banks are headquartered, Macatawa Bank ranks above the state average of 73/100 (Grade B).
The bank's Tier 1 capital ratio of 18.04% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.01% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Macatawa Bank's Bank Health Score held roughly steady at 100/100. Tier 1 capital strengthened by 0.90 percentage points to 18.04%.
Frequently Asked Questions
Macatawa Bank holds $2.7B in total assets and $2.3B in deposits, making it a mid-size bank by U.S. standards. By total assets it is the 426th-largest of the 3,960 FDIC-insured banks we track — in the top 11% by size. Those figures come from Macatawa Bank's latest FDIC call report (cert #34618); it is a strong regional or community bank, with $1 billion to $10 billion in assets.
Macatawa Bank ranks 426th by total assets out of the 3,960 FDIC-insured banks BankHealth tracks, placing it in the top 11% by size. Its $2.7B in assets classify it as a mid-size bank.
Macatawa Bank reports $2.7B in total assets and $2.3B in total deposits ($2.3B of it domestic). Total assets include loans, securities, and cash the bank owns; deposits are the money customers have placed with the bank. Deposits are typically a bank's largest funding source, and FDIC insurance covers each depositor up to $250,000 per ownership category.
Size and safety are different things. A bank's size (total assets) measures scale, not health — small banks and large banks can each be financially strong or weak. Macatawa Bank earns a Bank Health Score of 100/100 (grade A) on capital, loan quality, liquidity, and profitability, independent of its $2.7B asset base. For deposits within the $250,000 FDIC limit, size does not change your insurance protection.
Yes. Macatawa Bank (FDIC certificate #34618) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about Macatawa Bank
Macatawa Bank holds $2.7B in total assets and $2.3B in deposits, making it a mid-size bank by U.S. standards. By total assets it is the 426th-largest of the 3,960 FDIC-insured banks we track — in the top 11% by size. Those figures come from Macatawa Bank's latest FDIC call report (cert #34618); it is a strong regional or community bank, with $1 billion to $10 billion in assets.