United Bank of Michigan
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Data as of · sourced from FFIEC call reports. How we update
United Bank of Michigan is an FDIC-insured commercial bank headquartered in Grand Rapids, MI, established in 1903 (FDIC certificate 11807), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.06B, up 2.3% from Q2 2025, the 16th largest of 72 banks headquartered in Michigan. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.61% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11807
- Headquarters
- Grand Rapids, MI
- Established
- 1903
- Total assets, Q2 2026
- $1.06B
- Assets vs Q2 2025
- +2.3%
- Tier 1 leverage ratio, Q2 2026
- 10.61%
- Domestic offices
- 13 FDIC institution directory, current count
- Routing number
- 072408805
- Latest call report
- Q2 2026, FFIEC 051 · United Bank of Michigan call report
- Holding company
- UNITED BANK FINANCIAL CORPORATION
- Asset rank in state
- 16th of 72 in Michigan
United Bank of Michigan leans heavily on commercial real estate. Based in Grand Rapids, Michigan, it had $1.1 billion in assets at June 30, 2026, up 2.3% from a year earlier. It holds commercial real estate loans worth 4.3 times its capital, about double the median of 2.2 times for the 895 banks with $1 billion to $10 billion in assets. On the other hand, it carries problem assets equal to 0.4% of the capital and reserves that would absorb them, a small fraction of the median of 3.6% for banks its size.
Earnings jumped: net income for the quarter was $3.8 million, 40% above the same quarter a year earlier.
As of June 30, 2026, United Bank of Michigan reported a return on assets of 1.44%, a nonperforming-loan ratio of 0.06% and a Texas ratio of 0.45%. The figures come from its call report filed with the FFIEC.
United Bank of Michigan ranks as the 16th largest of the 72 banks based in Michigan, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.6% to $1.06B, loans rose 2.5% and deposits fell 4.5%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 43.8% of total loans, followed by 1-4 family residential loans at 22.5%. Its 13 offices in the FDIC Summary of Deposits are in 11 cities in MI; its Grand Rapids 3 offices book 24% of its branch deposits. On its Q2 2026 call report, United Bank of Michigan meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 900 East Paris Ave Se, Grand Rapids, MI 49546
- County
- Kent
- Metro Area
- Grand Rapids-Wyoming-Kentwood, 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 051
- Established
- January 1, 1903
- Former names
- United Community Bank (1980-1984)
- Domestic offices
- 13 FDIC institution directory, current count
- Employees (FTE)
- 165
- Domestic deposits
- $892.7M
- Allowance for credit losses
- $9.2M
- Net charge-offs (YTD)
- -$8K
- Average total assets
- $1.06B
- Average total loans
- $858.9M
- Average interest-bearing deposits
- $702.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 2, 1934
- FDIC Cert
- 11807
- Fed RSSD
- 150044
- Website
- http://www.unitedbank4u.com →
- Parent Holding Company
- UNITED BANK FINANCIAL CORPORATION (RSSD 1207392)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, United Bank of Michigan reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, United Bank of Michigan's total assets ran between $939.1M (Q3 2023) and $1.09B (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.06B total assets against $1.04B; $951.9M total liabilities against $938.2M.
$855.1M net loans and leases against $810.1M; $892.7M total deposits against $863.7M.
$79.4M securities against $67.0M; $67.9M cash and balances due against $102.5M.
$13.6M total interest income against $12.8M; $3.8M total interest expense against $4.2M.
$9.8M net interest income against $8.6M.
$2.2M total noninterest income against $2.0M; $7.3M total noninterest expense against $6.9M.
-$35K provision for credit losses against $366K.
$3.8M net income against $2.7M.
1.44% return on assets against 1.05%; 3.89% net interest margin against 3.51%.
10.61% tier 1 leverage ratio against 9.96%.
Inside the full United Bank of Michigan terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
United Bank of Michigan rankings
Its closest position to the top of a national ranking is 983 of 4,196, for total assets; its furthest is 2,996 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.87% (Q4 2024) to 1.44% (Q2 2026) and its net interest margin ran from 3.21% (Q3 2024) to 3.89% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.61% | 1.44% | 0.06% | 0.45% | 3.89% |
| Q1 2026 | 10.17% | 1.16% | 0.07% | 0.48% | 3.57% |
| Q4 2025 | 10.01% | 1.21% | 0.11% | 0.83% | 3.72% |
| Q3 2025 | 9.91% | 1.25% | 0.15% | 1.14% | 3.57% |
| Q2 2025 | 9.96% | 1.05% | 0.05% | 0.35% | 3.51% |
| Q1 2025 | 9.72% | 0.98% | 0.13% | 1.01% | 3.29% |
| Q4 2024 | 10.02% | 0.87% | 0.26% | 2.03% | 3.29% |
| Q3 2024 | 9.82% | 0.91% | 0.02% | 0.17% | 3.21% |
Swipe the table sideways to see every column.
Branch Network
View all 13 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| United Bank of Michigan (main office) | Grand Rapids , MI | 49546 | $152.3M |
| Wayland Branch | Wayland , MI | 49348 | $139.7M |
| Dorr Branch | Dorr , MI | 49323 | $103.5M |
| Hopkins Branch | Hopkins , MI | 49328 | $89.1M |
| Byron Center Office Branch | Byron Center , MI | 49315 | $85.6M |
| Caledonia Branch | Caledonia , MI | 49316 | $71.1M |
| Gun Lake Branch | Shelbyville , MI | 49344 | $70.0M |
| Clarksville Branch | Clarksville , MI | 48815 | $40.4M |
| Jenison Branch | Jenison , MI | 49428 | $38.1M |
| Downtown Grand Rapids Branch | Grand Rapids , MI | 49503 | $30.7M |
| Rockford Branch | Rockford , MI | 49341 | $29.1M |
| Cascade Village Branch | Grand Rapids , MI | 49546 | $28.6M |
| Holland Branch | Holland , MI | 49423 | $14.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 15, 1967 | Structure Change | Acquired Farmers State Bank of Alto Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in MI, rank 30 of 95 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 504 applications, 345 loans originated, $102.1M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $388K approved, $388K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about United Bank of Michigan
What are United Bank of Michigan's total assets?
As of the Q2 2026 filing, United Bank of Michigan reported total assets of $1.06 billion in its FFIEC call report.
Where is United Bank of Michigan headquartered?
It is headquartered in Grand Rapids, MI, United States.
When was United Bank of Michigan founded?
It was established in 1903, per the FDIC institution directory.
Is United Bank of Michigan FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11807). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates United Bank of Michigan?
United Bank of Michigan's primary federal regulator is the FDIC.
How many branches does United Bank of Michigan operate?
It operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is United Bank of Michigan's Texas Ratio?
Its Texas Ratio is 0.45% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was United Bank of Michigan previously called?
The charter now named United Bank of Michigan has also operated as United Community Bank (1980-1984), per FDIC structure-change records.
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