Bank · FDIC insured
Macatawa Bank, N.A.
A $3.7B bank, the 350th largest of 4,207, headquartered in Holland, MI, with 25 branches in Michigan. Best rates: savings 0.20% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- Savings690.20%at $1,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Macatawa Bank, N.A.
Macatawa Bank has served West Michigan since 1997, operating more than 20 branches across the region.
The bank is part of Wintrust Financial Corporation.
- Headquarters
- 10753 Macatawa Dr, Holland, MI 49424
- FDIC certificate
- 34618 ↗
Branches
25 branches in Michigan
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Michigan
25 branches
Grand Rapids area · 23
- Allendale Branch6299 Lake Michigan Dr, Allendale, MI 49401Directions
- Byron Center Branch2261 84th St Sw, Byron Center, MI 49315Directions
- Grand Haven Branch15135 Whittaker Way, Grand Haven, MI 49417Directions
- 68th Street Branch1575 68th St Se, Grand Rapids, MI 49508Directions
- Burton Branch2440 Burton St Se, Grand Rapids, MI 49546Directions
- Cascade Branch6330 28th St Se, Grand Rapids, MI 49546Directions
- East Beltline Branch3177 Knapp St Ne, Grand Rapids, MI 49525Directions
- Forest Hills Branch4590 Cascade Rd Se, Grand Rapids, MI 49546Directions
- Grand Rapids Downtown Branch116 Ottawa Ave Nw, Grand Rapids, MI 49503Directions
- Grandville Branch3191 44th St Sw, Grandville, MI 49418Directions
- 8th Street Holland Branch141 E 8th St, Holland, MI 49423Directions
- Eastside Branch699 E 16th St, Holland, MI 49423Directions
- Lakewood Boulevard Branch20 E Lakewood Blvd, Holland, MI 49424Directions
- Northside Branch489 Butternut Dr, Holland, MI 49424Directions
- Riley Branch12415 Riley St, Holland, MI 49424Directions
- Southside Holland Branch701 Maple Ave, Holland, MI 49423Directions
- Hudsonville Branch3526 Chicago Dr, Hudsonville, MI 49426Directions
- Jenison Branch2020 Baldwin St, Jenison, MI 49428Directions
- Jenison East Branch520 Baldwin St, Jenison, MI 49428Directions
- Rockford Branch2820 10 Mile Rd Ne, Rockford, MI 49341Directions
- Walker Branch2750 Walker Ave Nw, Walker, MI 49544Directions
- Clyde Park Avenue Branch5271 Clyde Park Ave Sw, Wyoming, MI 49509Directions
- Zeeland State Street Branch41 N State St, Zeeland, MI 49464Directions
Holland area · 2
- Douglas Branch132 Blue Star Hwy, Douglas, MI 49406Directions
- Hamilton Branch4758 136th Ave, Hamilton, MI 49419Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.74% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.08% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.77% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $92 | $88 | — |
- CapitalLeverage ratio10.74%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.08%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.77%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$92Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Macatawa Bank, N.A. are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.