Advertisement
University Bank
Ann Arbor, MI · FDIC Certificate #14587 · Chartered 05/0
Total assets
$1.24B
Total deposits
$1.06B
Total equity
$132.74M
Net loans
$1.09B
Branches (offices)
2
Net income (YTD)
$6.29M
Rank: #869 of 4,213 U.S. banks by assets · #13 of 72 in Michigan. Assets changed 12.6% and deposits 20.8% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.08% |
| Return on equity | 11.21% |
| Net interest margin (YTD) | 4.36% |
| Equity to assets | 10.68% |
| Tier 1 leverage ratio | 10.08% |
| Uninsured deposits (share of deposits) | 70.2% |
| Noncurrent loans (share of loans) | 0.41% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 102.7% |
| Real estate loans (share of loans) | 92.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.01B | 92.5% | |
| Commercial & industrial | $9.22M | 0.8% | |
| Consumer / individual | $16.75M | 1.5% | |
| Construction & development | $25.14M | 2.3% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $559.23M | $437.39M | $4.25M | $73.92M |
| Jun 2023 | $858.07M | $737.88M | $3.92M | $95.84M |
| Jun 2024 | $996.68M | $813.03M | $5.57M | $109.49M |
| Jun 2025 | $1.10B | $878.95M | $4.76M | $116.43M |
| Jun 2026 | $1.24B | $1.06B | $6.29M | $132.74M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Michigan | $1.06B | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.06B.
Similar-sized banks
Bank Of Central Florida ($1.25B) · Nbkc Bank ($1.24B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement