Macatawa Bank vs Central Savings Bank
Side-by-side bank health comparison using FDIC financial data
Verdict
Macatawa Bank has a stronger Bank Health Score of 100/100 (A) compared to Central Savings Bank at 97/100 (A), a difference of 3 points. Macatawa Bank holds a Tier 1 capital ratio of 18.04% and an NPL ratio of 0.01%.
| Metric | Macatawa Bank | Central Savings Bank |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 100/100 (A)* | 97/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 18.0%* | 14.6% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0%* | 0.1% |
| Liquidity Ratio Cash and liquid assets vs obligations | 45.0% | 45.5%* |
| Return on Assets Profitability metric (above 1% is strong) | 1.9%* | 1.8% |
| Total Assets | $2.7B | $452M |
| Total Deposits | $2.3B | $421M |
| Location | Holland, Michigan | Sault Sainte Mar, Michigan |
Macatawa Bank has a stronger Bank Health Score of 100/100 (A) compared to Central Savings Bank at 97/100 (A), a difference of 3 points. Macatawa Bank holds a Tier 1 capital ratio of 18.04% and an NPL ratio of 0.01%.