United Bank of Michigan: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 128.66 percentage points in Q2 2026, from 912.42% to 783.76%. It was the largest change from Q1 2026 among the key lines here. Within Michigan, United Bank of Michigan is 26th of 72 on return on assets, 1.44% as of Q2 2026, above the middle of the field. United Bank of Michigan reported 1.44% on return on assets for Q2 2026, 0.16 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.61% |
| Equity capital to assets | 10.41% |
| Tangible equity to tangible assets | 10.41% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.14% |
| Non-performing assets ratio | 0.11% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 1.04% |
| Allowance for credit losses to loans | 1.06% |
| Reserve coverage of non-performing loans | 783.76% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.44% |
| Return on equity | 13.89% |
| Net interest margin | 3.89% |
| Efficiency ratio | 60.70% |
| Yield on earning assets | 5.39% |
| Cost of funds | 1.60% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.82% |
| Core deposits to total deposits | 91.43% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.02% |
| Securities to assets | 7.47% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.20% | 0.82% | 3.38% | 0.36% | 0.00% |
| Q4 2023 | 10.21% | 0.72% | 3.35% | 0.02% | -0.00% |
| Q1 2024 | 9.83% | 0.81% | 3.17% | 0.03% | -0.00% |
| Q2 2024 | 9.85% | 0.75% | 3.18% | 0.03% | 0.01% |
| Q3 2024 | 9.82% | 0.91% | 3.21% | 0.02% | 0.07% |
| Q4 2024 | 10.02% | 0.87% | 3.29% | 0.23% | -0.02% |
| Q1 2025 | 9.72% | 0.98% | 3.29% | 0.11% | 0.30% |
| Q2 2025 | 9.96% | 1.05% | 3.51% | 0.30% | -0.01% |
| Q3 2025 | 9.91% | 1.25% | 3.57% | 0.31% | -0.01% |
| Q4 2025 | 10.01% | 1.21% | 3.72% | 0.15% | -0.06% |
| Q1 2026 | 10.17% | 1.16% | 3.57% | 0.12% | -0.00% |
| Q2 2026 | 10.61% | 1.44% | 3.89% | 0.14% | -0.00% |
United Bank of Michigan vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock United Bank of Michigan, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)