University Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
University Bank spends more to run itself than most banks of its size. It reported $1.2 billion in assets at June 30, 2026, up 12.6% from a year earlier. It spends about 81 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). It also holds about three-quarters of its deposits (70%) above the FDIC insurance limit, about double the median of 30.9% for banks its size.
Net income for the quarter rose 28% from a year earlier, to $4.4 million. Over the same year, loans grew 11.2% and deposits grew 20.8%.
As of June 30, 2026, University Bank reported a return on assets of 1.47%, a nonperforming-loan ratio of 0.41% and a Texas ratio of 4.12%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 2015 Washtenaw Ave, Ann Arbor, MI 48104
- County
- Washtenaw
- Metro Area
- Ann Arbor, MI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- May 8, 1908
- Offices
- 2 domestic
- Employees (FTE)
- 543
- Domestic deposits
- $1.06B
- Allowance for credit losses
- $4.6M
- Net charge-offs (YTD)
- -$7K
- Average total assets
- $1.19B
- Average total loans
- $1.03B
- Average interest-bearing deposits
- $529.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 23, 1934
- FDIC Cert
- 14587
- Fed RSSD
- 137652
- SEC CIK
- 811211 → filed by UNIVERSITY BANCORP, INC.
- Website
- www.university-bank.com →
- Parent Holding Company
- UNIVERSITY BANCORP, INC. (RSSD 1496253) · UNIB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Ranzini Stephen Lange | CEO | President & CEO |
| Nicholas K Fortson | CFO | CFO |
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full University Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock University Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run. BankRegReports band; the $250K limit is statutory but this risk threshold is ours (post-SVB).
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
University Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for University Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.08% | 1.47% | 0.41% | 4.12% | 4.35% |
| Q1 2026 | 10.11% | 0.69% | 0.43% | 4.26% | 4.28% |
| Q4 2025 | 10.12% | 1.15% | 0.43% | 4.21% | 4.30% |
| Q3 2025 | 10.24% | 1.45% | 0.49% | 4.99% | 4.43% |
| Q2 2025 | 10.09% | 1.31% | 0.37% | 3.66% | 4.38% |
| Q1 2025 | 10.25% | 0.55% | 0.18% | 1.51% | 4.26% |
| Q4 2024 | 10.40% | 1.45% | 0.15% | 1.19% | 4.55% |
| Q3 2024 | 10.33% | 1.33% | 1.36% | 1.69% | 4.69% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 2 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| University Bank (main office) | Ann Arbor , MI | 48104 | $1.06B |
| Ypsi Branch | Ypsilanti , MI | 48197 | $0 |
Regulatory record
What the public regulatory sources show for University Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in MI, rank 26 of 98 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 2,999 applications, 2,426 loans originated, $850.8M originated, across 45 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 14 loans, $10.9M approved, $775K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about University Bank
What are University Bank's total assets?
As of the Q2 2026 filing, University Bank reported total assets of $1.24 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is University Bank headquartered?
University Bank is headquartered in Ann Arbor, MI, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was University Bank founded?
University Bank was established in 1908, per the FDIC institution directory.
Is University Bank FDIC-insured?
Yes. University Bank is an FDIC-insured commercial bank (FDIC Certificate #14587). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates University Bank?
University Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does University Bank operate?
University Bank operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is University Bank's Texas Ratio?
University Bank's Texas Ratio is 4.12% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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