United Bank of Michigan: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks United Bank of Michigan of Grand Rapids, MI against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.44% | 1.46% | -0.02% | 62nd above |
| ROAE | 13.89% | 12.72% | +1.17% | 62nd above |
| Net Interest Margin | 3.89% | 3.85% | +0.04% | 62nd above |
| Efficiency Ratio | 60.70% | 57.40% | +3.30% | 42nd below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.77% | 1.88% | -0.11% | 54th above |
| Yield on Earning Assets | 5.39% | 5.72% | -0.33% | 41st below |
| Cost of Funds | 1.60% | 2.02% | -0.42% | 75th top |
| Net Interest Spread | 3.42% | 3.18% | +0.24% | 72nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.14% | 1.00% | -0.86% | 86th top |
| NPA / Total Assets | 0.11% | 0.76% | -0.65% | 85th top |
| NCO / Avg Loans | -0.00% | 0.43% | -0.43% | 86th top |
| ACL / Total Loans | 1.06% | 1.31% | -0.25% | 38th below |
| ACL / NPLs (Coverage) | 783.76% | 543.25% | +240.51% | 88th top |
| Texas Ratio | 1.04% | 7.39% | -6.35% | 87th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.61% | 11.44% | -0.83% | 53rd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.41% | 11.34% | -0.93% | 51st above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.41% | 10.50% | -0.09% | 63rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 96.82% | 86.95% | +9.87% | 24th bottom |
| Core Deposit Ratio | 91.43% | 85.55% | +5.88% | 64th above |
| Uninsured Deposit Ratio | 20.70% | 33.13% | -12.43% | 82nd top |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.75% | 5.70% | -0.95% | 43rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.26% | 9.68% | -7.42% | 30th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.61% | 8.06% | -2.45% | 50th above |
| Deposit Growth (Y/Y) | 3.36% | 7.87% | -4.51% | 39th below |
See United Bank of Michigan's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock United Bank of Michigan, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full United Bank of Michigan profile, how to read a UBPR, or how this data updates.