Macatawa Bank, National Association

Macatawa Bank, National Association is an FDIC insured institution headquartered at 10753 Macatawa Dr, Holland, MI 49424.
It was founded in 1997 and has approximately $4 billion in assets. Customers can open an account at one of its 30 branches.

Deposit Rates - August 24, 2026

SAVINGS RATES	APY	MIN
Savings	0.05%	$2,500	Compare

CD RATES	APY	MIN
6 Mo CD	0.10%	$10,000	Compare
6 Mo CD	0.10%	$100,000	Compare
12 Mo CD	0.15%	$10,000	Compare
12 Mo CD	0.15%	$100,000	Compare
18 Mo CD	0.15%	$10,000	Compare
18 Mo CD	0.15%	$100,000	Compare
24 Mo CD	0.25%	$10,000	Compare
24 Mo CD	0.25%	$100,000	Compare
30 Mo CD	0.25%	$10,000	Compare
30 Mo CD	0.25%	$100,000	Compare
36 Mo CD	0.30%	$10,000	Compare
36 Mo CD	0.30%	$100,000	Compare
48 Mo CD	0.30%	$10,000	Compare
48 Mo CD	0.30%	$100,000	Compare
60 Mo CD	0.30%	$10,000	Compare
60 Mo CD	0.30%	$100,000	Compare

MM RATES	APY	MIN
Money Market	0.05%	$2,500	Compare
Money Market	0.05%	$10,000	Compare
Money Market	0.05%	$25,000	Compare

VARIABLE IRA RATES	APY	MIN
Var IRA	0.01%	$1

INT CHECKING RATES	APY	MIN
Int Ckg	0.01%	$1
Int Ckg	0.01%	$2,500

Overview 2026

General Bank Information

FDIC Insured	Yes
FDIC Certificate	# 34618
Date Established	1997
Assets	$ 3.66 billion
Loans	$ 2.69 billion
Deposits	$ 3.06 billion
Capital	$ 563.00 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions	$ 202.47 million
Interest-bearing balances	$ 172.12 million
Total securities	$ 179.42 million
Federal funds sold and reverse repurchase	N.A.
Net loans and leases	$ 2.69 billion
Loan loss allowance	$ 23.64 million
Trading account assets	$ 2.85 million
Bank premises and fixed assets	N.A.
Other real estate owned	N.A.
Goodwill and other intangibles	$ 227.26 million
All other assets	$ 84.67 million
Total Assets	$ 3.10 billion

LIABILITIES
Total deposits	$ 3.06 billion
Interest-bearing deposits	$ 2.31 billion
Deposits held in domestic offices	$ 3.06 billion
% insured (estimated)"	61.31%
Federal funds purchased and repurchase agreements	N.A.
Trading liabilities	$ 2.85 million
Other borrowed funds	$ 30.00 million
Subordinated debt	N.A.
All other liabilities	$ 8.96 millionn
Total Liabilities	$ 3.10 billion
Shareholders’ Equity	$ 563.00 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income	$ 179.57 million
Total Interest Expense	$ 47.59 million
Net interest income	$ 131.98 million
Provision for loan and lease losses	$ 10.45 million
Total non interest income	$ 9.79 million
Total non interest expense	$ 67.15 million
Pre-tax Net Operating Income	$ 15.99 million

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