United Bank of Michigan: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Loans and leases to core deposits climbed 6.62 percentage points in Q2 2026, from 99.27% to 105.90%. It was the largest change from Q1 2026 among the key lines here. United Bank of Michigan ranks 14th of 72 Michigan banks on loan-to-deposit ratio, in the upper half at 96.82% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. United Bank of Michigan sits 8.62 points higher, at 96.82% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $67.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $147.2M |
| Fed funds sold and reverse repos | $10.6M |
| Fed funds sold and reverse repos to assets | 1.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $50.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.75% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.82% |
| Net loans and leases to deposits | 95.79% |
| Loans and leases to core deposits | 105.90% |
| Core deposits to total deposits | 91.43% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 94.90% | 93.08% | $0 | $55.4M |
| Q4 2023 | 99.18% | 92.73% | $0 | $65.4M |
| Q1 2024 | 93.80% | 92.42% | $0 | $75.4M |
| Q2 2024 | 96.31% | 90.86% | $0 | $65.7M |
| Q3 2024 | 98.66% | 90.10% | $0 | $65.7M |
| Q4 2024 | 98.90% | 90.56% | $0 | $65.7M |
| Q1 2025 | 91.37% | 91.05% | $0 | $55.8M |
| Q2 2025 | 94.76% | 91.02% | $0 | $65.8M |
| Q3 2025 | 96.32% | 91.65% | $0 | $70.8M |
| Q4 2025 | 93.66% | 90.12% | $0 | $60.5M |
| Q1 2026 | 90.24% | 90.90% | $0 | $40.5M |
| Q2 2026 | 96.82% | 91.43% | $0 | $50.5M |
United Bank of Michigan liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock United Bank of Michigan, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full United Bank of Michigan profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11807) · FFIEC NIC profile (RSSD 150044)