UNITED BANK OF MICHIGAN

GRAND RAPIDS, MI | Large | Est. Jan. 1, 1903, midnight | FDIC #11807 | RSSD #150044 | FDIC
Latest Report: 2025-12-31

UNITED BANK OF MICHIGAN is aln large FDIC-insured commercial bank headquartered in GRAND RAPIDS, MI, established in Jan. 1, 1903, midnight. As of 2025-12-31, the bank reported total assets of $1.1B and total deposits of $903M. Profitability stands at 1.21% ROA and 12.37% ROE, with a net interest margin of 3.84%. The bank's CET1 capital ratio is 9.65%. Asset quality metrics show a non-performing loan ratio of 0.09% and a Texas Ratio of 0.68%. FDIC Certificate #11807.

Assets

$1.1B

Deposits

$903M

Loans

$846M

Equity

$106M

Profitability

Return on Assets (ROA) 1.21%
Return on Equity (ROE) 12.37%
Net Interest Margin (NIM) 3.84%
Yield on Assets 5.50%
Cost of Funds 1.71%

Asset Quality

NPL Ratio 0.09%
Net Charge-Off Ratio 0.05%
Texas Ratio 0.68%
NPA Ratio 0.07%
ACL / Loans 1.08%

Capital & Liquidity

CET1 Ratio 9.65%
Tier 1 Capital 9.65%
Total Capital Ratio 10.14%
Leverage Ratio 10.01%
Loan-to-Deposit 93.66%

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