West Michigan Community Bank
Hudsonville, MI · Cert 22308 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Northstar Financial Group Inc.
State charter, Fed member · FED · 2 affiliate banks · 8 branches (27 in holding)
Q2 2026
$1.2BAssets
$1.0BLoans
$1.1BDeposits
$106.1MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 91% of banks $1B-$10B in assets operating in a single state (rank 26 of 258).
- Widest gap: total risk-based capital ratio trails 99% of banks $1B-$10B in assets operating in a single state (rank 255 of 258).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.44%
Rank 77 of 258
Net Interest Margin
3.56%
Rank 114 of 258
Efficiency Ratio
51.71%
Rank 65 of 257
Equity / Assets
8.75%
Rank 213 of 258
Non-interest income vs. expense
Unfavorable gap of $19.5M · efficiency ratio beats 75% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.44% | 0.93% | 1.23% | 1.54% | Beats 70% | 77 / 258 | | |
| Return on Equity | 16.44% | 9.26% | 11.84% | 14.74% | Beats 86% | 37 / 258 | | |
| Net Interest Margin | 3.56% | 3.16% | 3.49% | 3.88% | Beats 56% | 114 / 258 | | |
| Efficiency Ratio | 51.71% | 51.71% | 60.30% | 69.65% | Beats 75% | 65 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.40% | 0.19% | 0.46% | 0.90% | Beats 15% | 220 / 258 | | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.07% | Beats 91% | 26 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 9.22% | 11.41% | 12.98% | 15.12% | Beats 1% | 255 / 258 | | |
| Total Risk-Based Capital Ratio | 9.22% | 12.10% | 13.91% | 16.08% | Beats 1% | 255 / 258 | | |
| Equity / Assets | 8.75% | 9.09% | 10.24% | 11.72% | Beats 17% | 213 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 97.27% | 73.24% | 86.34% | 95.95% | 79th pctl | 53 / 258 | | |
| Loans / Assets | 86.17% | 63.01% | 72.27% | 78.40% | 96th pctl | 10 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |