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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

MACATAWA BANK NATIONAL ASSN

FDIC #34618 · MI · period 20260630

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Total assets1,638,270-6.24% YoY

Total deposits1,345,600-6.46% YoY

Net loans and leases1,201,314-4.06% YoY

Return on assets0.91%-17.67% YoY

Return on equity8.16%-16.22% YoY

Net interest margin3.16%-3.66% YoY

Peer position

Return on assets81ststrength · n=902

Return on equity45thin line · n=894

Net interest margin82ndstrength · n=902

Equity to assets93rdstrength · n=894

Noncurrent loans90thstrength · n=887

Liquid assets16thopportunity · n=895

Brokered deposits16thopportunity · n=890

Loans to deposits38thin line · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	1,638,270	1,345,600	1,201,314	0.91	8.16	3.16
2016-06-30	1,664,636	1,360,167	1,196,023	0.95	8.37	3.15
2016-09-30	1,651,852	1,363,988	1,221,561	1.03	8.95	3.19
2016-12-31	1,739,408	1,454,267	1,266,031	1.03	9.00	3.20
2017-03-31	1,747,275	1,438,537	1,252,199	1.11	9.74	3.28
2017-06-30	1,757,422	1,465,624	1,237,969	1.14	9.96	3.28
2017-09-30	1,801,444	1,512,220	1,245,802	1.15	10.04	3.29
2017-12-31	1,888,700	1,584,982	1,304,917	1.00	8.76	3.28
2018-03-31	1,862,200	1,567,015	1,308,870	1.34	12.05	3.39
2018-06-30	1,870,948	1,586,861	1,311,052	1.45	12.92	3.46
2018-09-30	1,917,730	1,624,493	1,327,880	1.48	13.19	3.50
2018-12-31	1,973,456	1,683,164	1,389,197	1.50	13.33	3.52
2019-03-31	1,924,312	1,624,369	1,368,187	1.69	14.48	3.69
2019-06-30	1,976,862	1,667,936	1,327,642	1.72	14.55	3.66
2019-09-30	2,142,984	1,827,029	1,361,399	1.70	14.51	3.57
2019-12-31	2,068,014	1,760,584	1,371,721	1.71	14.70	3.52
2020-03-31	2,030,324	1,712,313	1,378,418	1.32	11.57	3.26
2020-06-30	2,450,370	2,125,132	1,548,510	1.35	12.43	3.02
2020-09-30	2,508,399	2,178,080	1,529,285	1.30	12.31	2.87
2020-12-31	2,641,173	2,305,305	1,417,345	1.34	12.94	2.84
2021-03-31	2,733,572	2,395,273	1,374,814	1.20	12.68	2.31
2021-06-30	2,940,189	2,607,679	1,226,273	1.17	12.95	2.23
2021-09-30	2,901,253	2,561,029	1,122,716	1.12	12.64	2.19
2021-12-31	2,928,502	2,585,790	1,094,511	1.06	12.08	2.11
2022-03-31	2,929,554	2,590,064	1,088,141	0.84	10.19	1.82
2022-06-30	2,780,929	2,502,262	1,098,447	0.90	10.77	2.02
2022-09-30	2,834,742	2,563,688	1,124,058	1.07	13.00	2.33
2022-12-31	2,906,669	2,623,234	1,162,678	1.23	14.91	2.59
2023-03-31	2,637,086	2,339,056	1,204,232	1.76	19.91	3.48
2023-06-30	2,629,984	2,329,925	1,254,467	1.67	18.26	3.43
2023-09-30	2,759,676	2,454,257	1,274,289	1.67	18.15	3.44
2023-12-31	2,748,455	2,424,558	1,320,944	1.61	17.09	3.41
2024-03-31	2,614,849	2,292,617	1,324,768	1.53	14.58	3.29
2024-06-30	2,654,342	2,325,418	1,321,709	1.57	14.67	3.35
2024-09-30	3,085,640	2,542,828	1,620,745	0.07	0.59	1.23
2024-12-31	3,283,285	2,737,481	1,645,621	0.56	4.35	2.20
2025-03-31	3,314,645	2,756,150	1,658,301	1.20	7.63	4.26
2025-06-30	3,484,457	2,925,597	1,803,317	1.02	6.57	4.21
2025-09-30	3,518,311	2,944,652	2,523,761	1.26	8.10	4.43
2025-12-31	3,664,026	3,059,742	2,685,599	1.39	8.96	4.51
2026-03-31	3,479,542	2,879,981	2,646,927	1.98	12.63	4.34
2026-06-30	3,689,079	3,067,806	2,796,495	1.77	11.42	4.31

Structure and branch footprint

28 current branch locations across 1 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2003-01-01	1	634348	2634351

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.