UNIVERSITY BANK

ANN ARBOR, MI | Large | Est. May 8, 1908, midnight | FDIC #14587 | RSSD #137652 | FDIC
Latest Report: 2025-12-31

UNIVERSITY BANK is aln large FDIC-insured commercial bank headquartered in ANN ARBOR, MI, established in May 8, 1908, midnight. As of 2025-12-31, the bank reported total assets of $1.1B and total deposits of $894M. Profitability stands at 1.16% ROA and 12.09% ROE, with a net interest margin of 4.47%. The bank's CET1 capital ratio is 6.34%, below regulatory well-capitalized thresholds. Asset quality metrics show a non-performing loan ratio of 0.43% and a Texas Ratio of 4.19%. FDIC Certificate #14587.

Assets

$1.1B

Deposits

$894M

Loans

$991M

Equity

$109M

Profitability

Return on Assets (ROA) 1.16%
Return on Equity (ROE) 12.09%
Net Interest Margin (NIM) 4.47%
Yield on Assets 6.68%
Cost of Funds 2.35%

Asset Quality

NPL Ratio 0.43%
Net Charge-Off Ratio 0.00%
Texas Ratio 4.19%
NPA Ratio 0.43%
ACL / Loans 0.45%

Capital & Liquidity

CET1 Ratio 6.34%
Tier 1 Capital 6.34%
Total Capital Ratio 6.66%
Leverage Ratio 10.12%
Loan-to-Deposit 110.85%

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