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 West Michigan Community Bank
West Michigan Community Bank
| RSSD ID 715340 | CERTIFICATE 22308 | ABA NUMBER 72413104 |
| 3467 Kelly St |
Quarter Ended : |
2025-12-31 |
| Hudsonville, Michigan, 49426 |
Updated : |
2026-01-30 |
| www.wmcb.bank |
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| Institution Profile |
| Year Opened : |
1976 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FED |
| Member Federal Reserve : |
Yes |
S-Corp : |
No |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
Yes |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
8 |
Number of Employees : |
96 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 1,186,043 |
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Total Interest Income | 62,812 |
| Total Liabilities | 1,088,122 |
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Total NonInterest Income | 5,324 |
| Total Bank Equity Capital | 97,921 |
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Total Interest Expense | 22,810 |
| Total Deposits | 1,049,785 |
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Total NonInterest Expense | 23,602 |
| Net Loans & Leases | 1,009,213 |
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Net Income | 13,260 |
| Loan Loss Allowance | 13,686 |
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Net Charge Offs | 2,848 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 984,836 |
| Total assets for the leverage ratio | 1,150,424 |
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Loans secured by real estate: | 739,715 |
| Tier 1 Leverage Ratio | 8.89 |
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Commercial and industrial loans | 168,955 |
| Off Balance Sheet Exposures (%) | 10.34 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0.12 |
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Loans to individuals - Other | 5,951 |
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:· West Michigan Community Bank
