United Bank of Michigan
Grand Rapids, MI · Cert 11807 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · United Bank Financial Corp.
State charter, non-member · FDIC · 13 branches
Q2 2026
$1.1BAssets
$864.3MLoans
$892.7MDeposits
$110.6MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 91% of banks $1B-$10B in assets operating in a single state (rank 23 of 258).
- Widest gap: total risk-based capital ratio trails 88% of banks $1B-$10B in assets operating in a single state (rank 227 of 258).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.30%
Rank 111 of 258
Net Interest Margin
3.57%
Rank 112 of 258
Efficiency Ratio
62.37%
Rank 155 of 257
Equity / Assets
10.41%
Rank 122 of 258
Non-interest income vs. expense
Unfavorable gap of $20.5M · efficiency ratio beats 40% 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 | 1.30% | 0.93% | 1.23% | 1.54% | Beats 57% | 111 / 258 | | |
| Return on Equity | 12.52% | 9.26% | 11.84% | 14.74% | Beats 55% | 115 / 258 | | |
| Net Interest Margin | 3.57% | 3.16% | 3.49% | 3.88% | Beats 57% | 112 / 258 | | |
| Efficiency Ratio | 62.37% | 51.71% | 60.30% | 69.65% | Beats 40% | 155 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.06% | 0.19% | 0.46% | 0.90% | Beats 91% | 23 / 258 | | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.07% | Beats 85% | 40 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 10.61% | 11.41% | 12.98% | 15.12% | Beats 14% | 222 / 258 | | |
| Total Risk-Based Capital Ratio | 10.61% | 12.10% | 13.91% | 16.08% | Beats 12% | 227 / 258 | | |
| Equity / Assets | 10.41% | 9.09% | 10.24% | 11.72% | Beats 53% | 122 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 96.82% | 73.24% | 86.34% | 95.95% | 78th pctl | 56 / 258 | | |
| Loans / Assets | 81.34% | 63.01% | 72.27% | 78.40% | 83rd pctl | 43 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |