# WEST MICHIGAN COMMUNITY BANK
HUDSONVILLE, MI · FDIC certificate 22308 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.21B | |
| Deposits | $1.07B | |
| Loans and leases | $1.04B | |
| Total equity | $106.1M | |
| Loans / deposits | 95.92% (p77 of band) | 87.10% |
| Liquid assets / assets | 10.73% (p7 of band) | |
| Uninsured deposits / deposits | 46.30% (p85 of band) | 30.76% |
| Brokered deposits | 1.24% | |
| Wholesale funding | 3.22% (p37 of band) | |
| FHLB advances / assets | 1.98% | |
| Tier 1 leverage | 9.22% (p17 of band) | 10.50% |
| Unrealized securities loss / equity | -6.50% (p56 of band) | -7.75% |
| AOCI / equity | -0.52% (p34 of band) | |
| ROA (annualized) | 1.46% (p67 of band) | 1.26% |
| Net interest margin | 3.79% (p55 of band) | 3.70% |
| Efficiency ratio | 51.71% (p28 of band) | |
| Noncurrent loans | 1.40% (p82 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p24 of band) | |
| Reserve coverage of noncurrent | 99.36% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 57.29% (p60 of band) | |
| Auto loans | $618,000 (0.06% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 15.5% | |
| Employees | 105 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, reserve under noncurrent |  |
| 2011-06 | 0 |  | brokered >10%, reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 2 | capital falling, losing money |  |
| 2012-03 | 4 | expense ratio p90, uninsured deposits leaving |  |
| 2012-06 | 5 | reserve under noncurrent |  |
| 2012-09 | 4 |  | uninsured deposits leaving |
| 2012-12 | 3 |  | reserve under noncurrent |
| 2013-03 | 2 |  | capital falling |
| 2013-06 | 2 |  |  |
| 2013-09 | 3 | capital falling |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 1 |  | losing money, expense ratio p90 |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | construction >100% equity |  |
| 2016-12 | 1 | capital falling | construction >100% equity |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 1 | construction >100% equity | capital falling |
| 2018-06 | 2 | loans exceed deposits |  |
| 2018-09 | 0 |  | construction >100% equity, loans exceed deposits |
| 2018-12 | 2 | loans exceed deposits, construction >100% equity |  |
| 2019-03 | 1 |  | construction >100% equity |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | loans exceed deposits |
| 2019-12 | 3 | loans exceed deposits, liquid assets <10%, construction >100% equity |  |
| 2020-03 | 1 |  | liquid assets <10%, construction >100% equity |
| 2020-06 | 1 | capital falling | loans exceed deposits |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 2 | loans exceed deposits, wholesale funding >15% |  |
| 2023-06 | 2 | liquid assets <10% | wholesale funding >15% |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | capital falling |  |
| 2024-06 | 1 |  | loans exceed deposits, capital falling |
| 2024-09 | 2 | loans exceed deposits |  |
| 2024-12 | 0 |  | liquid assets <10%, loans exceed deposits |
| 2025-03 | 1 | liquid assets <10% |  |
| 2025-06 | 2 | charge-offs p90 |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 0 |  | liquid assets <10%, charge-offs p90 |
| 2026-03 | 2 | liquid assets <10%, reserve under noncurrent |  |
| 2026-06 | 1 |  | liquid assets <10% |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-09 [Independent Bank taps two veteran execs for regional growth push - Crain's Grand Rapids](https://news.google.com/rss/articles/CBMioAFBVV95cUxOeFFkU3FkVElHX0xWNXVNS3ZvN0JVQnJGdXFGSC1IS09lNWdCc2ZwMkRja1VsY1JwSUZYbXVxVEJtMjNsWEVyN0czYW9wUnNlbjBqVHk4M1dieEZmWlVKZ0NIR1IzUlhlRnQ0NXgzTnBpa3k3amszdkRtQWRNNGRCV3g5Q0NZN1R5bG5RdVh3bnlEdWFhMHphbjlQM2NuOTZZ?oc=5) · Crain's Grand Rapids
- 2025-12-01 [Community banks gain ground in West Michigan as deposits surge past $38B - Crain's Grand Rapids](https://news.google.com/rss/articles/CBMixgFBVV95cUxOUjRBV1ZrSU82czJsSnlvc01MYkZKaW82cXkxSkp5WkdnVGlkS285NFlEWG54VDB5XzNLVFlLMWNUY3ZlRlVJdDVnSllHOU1QS3k2MTRRRHZ0dFY2OVRPWXBVZlZiREdhVlF1TG9Ed2x1VEM2eUNidmJOLXN4UllMUEZWVzlYUGlKdEJUakpMLURxVTlMRDhCT3N6U3V0eW4yMEp3TFdVd1owVmktSnJxX1F3ejJPQVdua0lza2luaFZ4OUlPNVE?oc=5) · Crain's Grand Rapids
- 2025-11-17 [Here's where you can drop off your donations for the 2025 Toys for Tots campaign in West Michigan - WZZM13.com](https://news.google.com/rss/articles/CBMi2gFBVV95cUxPaDVJVTkySHFzNmM4S0haQTZjSEtoZEZCa3Y4QVdtcmRMV1pLWlZWa3U3aDhZMndVSExrY3dvR0pyWHZuT3NFdWFNekFjU3UxZ08zWW5KSG83el95UzFFZEdqWnR0TzBvMDIxeTFaMnJNOTd3d0EwbzRRbndhQXE0NnRjTXlaY2RYS195UlAtWTlublZpY3pGQWhyWEtWSU5Tckl3RklzRmdYTTgzS3F1NUdFdEFEc2xfelA4TXVKVFJ4aEQxYXNmeGZsaXJoQ1Q1R1BkSlR2VHhYQQ?oc=5) · WZZM13.com
- 2017-08-02 [West Michigan Community Bank announces promotio - The Holland Sentinel](https://news.google.com/rss/articles/CBMisAFBVV95cUxQYUdkejJBZ2t6d1lzN1d3Qnp6dkw0UWtNVExyWlRldTdxR2kzRFEzTDhocS1xSTZNVjVReVhEY2QzaDZON0pQdjB2cmZJTXRRMlJxUUktbW9EQWwtMFpSaWpPZXc1aG9UZTBxVDdxZXBJUmk4ZVdwNUl2YWEyX0s0VkpGSTNYR01MdFN0WWZWNHhSTEQ0Y216dlpmVndqYklCeTY3Z2pxc09SdzB2WVJpQg?oc=5) · The Holland Sentinel
- 2020-08-08 [Jeffrey Scott Berens - MLive.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQc0pRWDk0TXdCd0syRGFEcEpNOHFWZ0J0UDdZUVMxaGgtSENoSmlPa2VEUHpfdVNKS2ZDMlNjZFVZSkFELWhtcU5mN3h1RnEtaW9pZFJEdUJLZDVVb1NYb2NxVTUycXk1dmIyQklsanFTZjJIeWNNYkJQcTV3UzdfR0NSVFpDZzNuc0l5dXVZN0JUdzA?oc=5) · MLive.com
- 2012-02-05 [West Michigan Community Bank gets ready for expansion - The Holland Sentinel](https://news.google.com/rss/articles/CBMiogFBVV95cUxQcl8taDQyZUlNcmRDd2tMTm55UHNOVk04Y09OdjZYNHAyNS16WEhmbW4yX1ExUlhEdnRlWGJWODlVR3RuTVB2SWI0YWJGOGtEdmh6ZG1IUEVfbWpiem84b2dkWnJyR2s4MTZ6NFlXOEdCZGRYVmlIb2h1U1VLMHlLVFQya2szQkM3dkZYOUVyaVBxbk9iNFJlTWNPTkl3ZnAwQ0E?oc=5) · The Holland Sentinel
- 2024-01-17 [Google Wallet adds support for over 40 more banks including Venmo - 9to5Google](https://news.google.com/rss/articles/CBMiekFVX3lxTFBFRngyX0h6VU1CeWUyekdkbkZZZVNmUXJCOTRqb0w5T1lDR3VVTV9uZi00T3VzTXh5VVZraEJhaGFZTFU5T1F0M1RDSlU3RkVMUlFVNF95Mk90WVk2bXQybE9YSjg3dEdNWVB2dnZtZnRFSzRlUE95cnp3?oc=5) · 9to5Google
- 2024-11-13 [Here's where you can drop off your donations for the 2024 Toys for Tots campaign in West Michigan - WZZM13.com](https://news.google.com/rss/articles/CBMi8AFBVV95cUxQZFVOSWJRVFFseWdVeERVMGQ3WjJ5ZC0tUk5UX1c0SWNYWko1TWVuNno2NjBYakphRC1LX3U2d09mR1RuVWxqWFNrdzk0RmozeE91MU1sSUxyeWhqdkpLTXJyLTlfakx0dF9SbEJJRTdnUE1MeDBETC03VVdfVld1NWdjZWZ3N0V1RXg1Mjd6VEtxZFBJbEtzLUFnd1Z0eVFxUnNxU2JQeVl3Y1RNTDZxLUxndGRfZEhaQzlkRERXYnVSbkNRekROY2kxRG9vN21VTTRPNWp0d2pXNFhQNUo0RXp1M3g3SnQxQmo3XzZFNmQ?oc=5) · WZZM13.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22308 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/36.json (key "22308", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide