Bank call report · Grand Rapids, MI
United Bank of Michigan Call Report
BankRegReports is independent of United Bank of Michigan and never asks for online banking logins or passwords.
United Bank of Michigan filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 306 reported line items, schedule by schedule (419 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 150044 |
| FDIC certificate number | 11807 |
| Total assets | $1.06B |
Official Q2 2026 call report PDF (FFIEC) →
United Bank of Michigan call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (27 items)
About Schedule RC · United Bank of Michigan balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $1.06B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $1.06B |
| Total Liabilities and Minority Interest | RCON2948 | $951.9M |
| Total Deposits | RCON2200 | $892.7M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $862.1M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $853.0M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $694.1M |
| Deposits: Noninterest-bearing | RCON6631 | $198.5M |
| Total Equity Capital | RCON3210 | $110.6M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $110.6M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $79.4M |
| Surplus | RCON3839 | $58.0M |
| Undivided Profits and Capital Reserves | RCON3632 | $52.1M |
| Other Borrowed Money | RCON3190 | $50.5M |
| Interest-bearing Balances | RCON0071 | $45.5M |
| Other Assets | RCON2160 | $37.2M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $18.1M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $11.8M |
| Federal Funds Sold | RCONB987 | $10.6M |
| Allowance for Loan and Lease Losses | RCON3123 | $9.2M |
| Other Liabilities, Total | RCON2930 | $8.7M |
| Intangible Assets | RCON2143 | $2.4M |
| Loans and Leases Held for Sale | RCON5369 | $2.1M |
| Direct and Indirect Investments in Real Estate Ventures | RCON3656 | $2.1M |
| Common Stock | RCON3230 | $2.0M |
| Accumulated Other Comprehensive Income | RCONB530 | -$1.6M |
| Investments and Unconsolidated Subsidiaries and Associated Companies | RCON2130 | $349K |
Schedule RI: Income Statement (43 items)
About Schedule RI · United Bank of Michigan income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $26.6M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $23.7M |
| Net Interest Income | RIAD4074 | $18.9M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $17.5M |
| Total Noninterest Expense | RIAD4093 | $14.3M |
| Salaries and Employee Benefits | RIAD4135 | $9.2M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $8.6M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $8.6M |
| Total Interest Expense | RIAD4073 | $7.7M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $6.9M |
| Net Income (Loss) | RIAD4340 | $6.9M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $6.9M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $5.3M |
| Total Noninterest Income | RIAD4079 | $4.0M |
| Other Noninterest Expense | RIAD4092 | $3.6M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $2.4M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $1.9M |
| Applicable Income Taxes | RIAD4302 | $1.7M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $1.5M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $1.5M |
| Noninterest income: Income from insurance activities | RIADHT74 | $1.4M |
| Other Noninterest Income | RIADB497 | $1.3M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $1.1M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $1.0M |
| Other Interest Expense | RIADGW44 | $976K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $736K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $655K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $542K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $508K |
| Interest on Other Securities | RIAD4060 | $361K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $314K |
| Other Interest Income | RIAD4518 | $233K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $200K |
| Net Servicing Fees | RIADB492 | $173K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $142K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $112K |
| Noninterest income: Fees and commissions from securities brokerage, investment banking, advisory, and underwriting activities | RIADHT73 | $109K |
| Provision for Loan and Lease Losses | RIAD4230 | $57K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $50K |
| Net Gains (Losses) Recognized in Earnings on Assets That Are Reported at Fair Value Option | RIADF551 | $28K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $27K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $11K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 165 |
Schedule RC-B: Securities (29 items)
About Schedule RC-B · United Bank of Michigan securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $5.9M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $5.8M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $81.4M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $29.4M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $29.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $20.0M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $19.2M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $18.6M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $15.2M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $14.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $13.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $12.0M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $11.8M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $11.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $10.1M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $7.6M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $7.4M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $4.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $3.9M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $2.9M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $2.8M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $2.7M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $867K |
| Structured financial products guaranteed by U.S. Government agencies or sponsored agencies included in Schedule HC-B, item 5.b -- Available-for-sale: Amortized Cost | RCONPV00 | $649K |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Amortized Cost | RCONHT60 | $648K |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Fair Value | RCONHT61 | $628K |
| Guaranteed by U.S. Government Agencies or Sponsored Agencies Included in Schedule Rc-b, Item 5.B - Available-for-sale, Fair Value | RCONPV01 | $628K |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $537K |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $523K |
Schedule RC-C, Part I: Loans and Leases (35 items)
About Schedule RC-C, Part I · United Bank of Michigan loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $864.3M |
| Pledged Loans and Leases | RCONG378 | $730.8M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $378.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $223.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $199.6M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $162.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $141.2M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $124.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $107.1M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $83.4M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $66.1M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $57.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $57.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $44.9M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $41.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $35.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $26.6M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $22.8M |
| Commercial and Industrial Loans | RCON1766 | $18.2M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $15.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $14.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $9.3M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $9.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $4.0M |
| Real Estate Loans Secured by Farmland | RCON1420 | $3.1M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $2.2M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $1.3M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $798K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $707K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $623K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Owner-occupied Nonfarm Nonresidential Properties | RCONK161 | $489K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $436K |
| Other Loans | RCONJ464 | $235K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $217K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - All Other Loans | RCONK165 | $1K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (18 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $119.0M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $11.8M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $8.0M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $2.5M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $1.4M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $1.3M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $872K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $159K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $42K |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 285 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 85 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 56 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 42 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 37 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 33 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 2 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 2 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 1 |
Schedule RC-E: Deposit Liabilities (28 items)
About Schedule RC-E · United Bank of Michigan deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $457.9M |
| Total Transaction Accounts | RCON2215 | $434.8M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $395.0M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $370.7M |
| Total Demand Deposits (See Note Below) | RCON2210 | $334.1M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $270.1M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $100.7M |
| Total reciprocal deposits | RCONJH83 | $86.2M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $76.5M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $73.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $64.4M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $61.4M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $59.9M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $57.2M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $50.0M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $45.3M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $45.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $37.5M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $36.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $35.8M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $14.6M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $6.9M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $5.2M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $4.2M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $4.0M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $3.2M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $1.5M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $1.2M |
Schedule RC-F: Other Assets (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $16.9M |
| Life Insurance Assets: Hybrid Account Life Insurance Assets | RCONK270 | $6.1M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $5.3M |
| Accrued Interest Receivable | RCONB556 | $3.9M |
| Other Assets | RCON2168 | $2.8M |
| Net Deferred Tax Assets | RCON2148 | $2.1M |
| Prepaid Expenses | RCON2166 | $1.3M |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Expenses Accrued and Unpaid | RCON3646 | $4.3M |
| All Other Liabilities | RCON2938 | $3.6M |
| Deferred Compensation Liabilities | RCONC011 | $3.2M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $468K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $369K |
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · United Bank of Michigan quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $1.06B |
| Quarterly Average of Total Loans | RCON3360 | $858.9M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $640.7M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $277.6M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $240.3M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $194.7M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $106.7M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $77.6M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $48.1M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $48.0M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $37.0M |
| All Other Securities | RCONB560 | $25.1M |
| Mortgage-backed Securities | RCONB559 | $22.2M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $18.8M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $9.6M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $3.5M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (9 items)
About Schedule RC-L · United Bank of Michigan derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Trading | RCONA126 | $52.4M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $41.5M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $36.7M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $17.6M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $15.8M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $14.4M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $13.4M |
| All Other Off-balance Sheet Liabilities | RCON3430 | $505K |
| Performance Standby Letters of Credit | RCON3821 | $391K |
Schedule RC-M: Memoranda (10 items)
About Schedule RC-M · United Bank of Michigan memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $30.0M |
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $20.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $20.0M |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $4.8M |
| Mortgage Servicing Assets | RCON3164 | $2.4M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $1.0M |
| Secured Liabilities: Amount of 'Other Borrowings' That Are Secured | RCONF065 | $505K |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF061 | $414K |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of Over Five Years | RCONF063 | $91K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (14 items)
About Schedule RC-N · United Bank of Michigan past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $745K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $571K |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $463K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $229K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty: Commercial and Industrial Loans - Nonaccrual | RCONK259 | $204K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCONHK28 | $204K |
| Additions to Nonaccrual Assets | RCONC410 | $187K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $187K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC238 | $128K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 90 Days or More and Still Accruing | RCONC237 | $70K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $70K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural | RCONC230 | $47K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $42K |
| All Other Loans - Past Due 30 Through 89 Days and Still Accruing | RCON5459 | $4K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (13 items)
About Schedule RC-O · United Bank of Michigan other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $1.06B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $893.0M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $508.5M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $369.9M |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $184.8M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $111.5M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $12.2M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $2.5M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 27,850 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 603 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 526 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 2 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-P: 1-4 Family Residential Mortgage Banking Activities (2 items)
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (19 items)
About Schedule RC-R, Part I · United Bank of Michigan regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCOA2170 | $1.06B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $1.06B |
| Average total consolidated assets | RCOAKW03 | $1.06B |
| Common Equity Tier 1 Capital | RCOAP859 | $112.2M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $112.2M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $112.2M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $110.6M |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $110.2M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $109.3M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $60.0M |
| Retained Earnings | RCOAKW00 | $52.1M |
| Unconditionally Cancellable Commitments | RCOAS540 | $16.7M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$1.6M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$1.6M |
| Off-balance sheet exposures: Other off-balance sheet exposures | RCOAKX81 | $896K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1061 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.1038 |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $110.6M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $106.3M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $106.3M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $2.0M |
| Other Comprehensive Income | RIADB511 | -$703K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (7 items)
About Schedule RI-B, Part I · United Bank of Michigan charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $31K |
| Charge-offs on All Other Loans | RIAD4644 | $23K |
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $23K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $10K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens | RIADC218 | $8K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Recoveries | RIADC896 | $7K |
| Recoveries on All Other Loans | RIAD4628 | $6K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · United Bank of Michigan changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $9.2M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $9.1M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $23K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$7K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $862.1M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $506.3M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $275.6M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $57.1M |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $19.7M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $9.2M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $6.4M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $3.4M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $1.5M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $646K |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $574K |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $17K |
Schedule SU: Supplemental Information (3 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Outstanding Principal Balance of Closed End 1-4 Family Residential Mortgage Loans Serviced for Others Plus the Total Outstanding Principal Balance of Other Financial Assets Serviced for Others If More Than $10 Million | RCONFT12 | $390.6M |
| Aggregate Amount of Fair Value Option Assets | RCONHK18 | $2.1M |
| Total Outstanding Principal Balance of Assets Sold by the Reporting Institution with Recourse or Other Seller Provided Credit Enhancements, But Not Securitized by the Reporting Institution | RCONFT10 | $505K |
United Bank of Michigan call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the United Bank of Michigan call report?
The United Bank of Michigan call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does United Bank of Michigan file?
United Bank of Michigan files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the United Bank of Michigan call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: United Bank of Michigan has Federal Reserve RSSD ID 150044 and FDIC certificate number 11807. Either one finds its filings on the FFIEC Central Data Repository.
How often does United Bank of Michigan file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
United Bank of Michigan financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 11807) · FFIEC NIC profile (RSSD 150044)