University Bank
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Data as of · sourced from FFIEC call reports. How we update
University Bank is an FDIC-insured commercial bank headquartered in Ann Arbor, MI, established in 1908 (FDIC certificate 14587), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.24B, up 12.6% from Q2 2025, the 13th largest of 72 banks headquartered in Michigan. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.08% 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
- 14587
- Headquarters
- Ann Arbor, MI
- Established
- 1908
- Total assets, Q2 2026
- $1.24B
- Assets vs Q2 2025
- +12.6%
- Tier 1 leverage ratio, Q2 2026
- 10.08%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 072413722
- Latest call report
- Q2 2026, FFIEC 041 · University Bank call report
- Holding company
- UNIVERSITY BANCORP, INC.
- Asset rank in state
- 13th of 72 in Michigan
University Bank spends more to run itself than most banks of its size. It reported $1.2 billion in assets at June 30, 2026, up 12.6% from a year earlier. It spends about 81 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). It also holds about three-quarters of its deposits (70%) above the FDIC insurance limit, about double the median of 30.9% for banks its size.
Net income for the quarter rose 28% from a year earlier, to $4.4 million. Over the same year, loans grew 11.2% and deposits grew 20.8%.
As of June 30, 2026, University Bank reported a return on assets of 1.47%, a nonperforming-loan ratio of 0.41% and a Texas ratio of 4.12%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, University Bank is the 13th largest of the 72 banks headquartered in Michigan. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 8.8% to $1.24B, loans rose 9.7% and deposits rose 9.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 77.7% of total loans, ahead of non-owner-occupied commercial real estate loans at 6.2%. The FDIC Summary of Deposits lists 2 offices for it, in Ann Arbor, MI and Ypsilanti, MI; its Ann Arbor office books 100% of its branch deposits. Judged on its Q2 2026 call report, University Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2015 Washtenaw Ave, Ann Arbor, MI 48104
- County
- Washtenaw
- Metro Area
- Ann Arbor, 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 041
- Established
- May 8, 1908
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 543
- Domestic deposits
- $1.06B
- Allowance for credit losses
- $4.6M
- Net charge-offs (YTD)
- -$7K
- Average total assets
- $1.19B
- Average total loans
- $1.03B
- Average interest-bearing deposits
- $529.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 23, 1934
- FDIC Cert
- 14587
- Fed RSSD
- 137652
- SEC CIK
- 811211 → filed by UNIVERSITY BANCORP, INC.
- Website
- www.university-bank.com →
- Parent Holding Company
- UNIVERSITY BANCORP, INC. (RSSD 1496253) · UNIB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Ranzini Stephen Lange | CEO | President & CEO |
| Nicholas K Fortson | CFO | CFO |
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, University Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
University Bank's total assets moved between a low of $868.3M (Q3 2023) and a high of $1.24B (Q2 2026) from Q3 2023 to Q2 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
$1.24B total assets against $1.10B; $1.11B total liabilities against $986.9M.
$1.09B net loans and leases against $980.1M; $1.06B total deposits against $878.9M.
$21.6M securities against $17.8M; $37.7M cash and balances due against $25.3M.
$18.0M total interest income against $16.0M; $5.8M total interest expense against $5.2M.
$12.2M net interest income against $10.8M.
$22.3M total noninterest income against $18.5M; $27.9M total noninterest expense against $25.0M.
$161K provision for credit losses against -$449K.
$4.4M net income against $3.4M.
1.47% return on assets against 1.31%; 4.35% net interest margin against 4.38%.
10.08% tier 1 leverage ratio against 10.09%.
Inside the full University Bank 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.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run. BankRegReports band; the $250K limit is statutory but this risk threshold is ours (post-SVB).
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
University Bank rankings
Its closest position to the top of a national ranking is 17 of 980, for uninsured deposits; its furthest is 3,282 of 3,606, for efficiency ratio.
Metric pages for University Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.55% (Q1 2025) to 1.47% (Q2 2026) and its net interest margin ran from 4.26% (Q1 2025) to 4.69% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.08% | 1.47% | 0.41% | 4.12% | 4.35% |
| Q1 2026 | 10.11% | 0.69% | 0.43% | 4.26% | 4.28% |
| Q4 2025 | 10.12% | 1.15% | 0.43% | 4.21% | 4.30% |
| Q3 2025 | 10.24% | 1.45% | 0.49% | 4.99% | 4.43% |
| Q2 2025 | 10.09% | 1.31% | 0.37% | 3.66% | 4.38% |
| Q1 2025 | 10.25% | 0.55% | 0.18% | 1.51% | 4.26% |
| Q4 2024 | 10.40% | 1.45% | 0.15% | 1.19% | 4.55% |
| Q3 2024 | 10.33% | 1.33% | 1.36% | 1.69% | 4.69% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| University Bank (main office) | Ann Arbor , MI | 48104 | $1.06B |
| Ypsi Branch | Ypsilanti , MI | 48197 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in MI, rank 26 of 95 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 2,999 applications, 2,426 loans originated, $850.8M originated, across 45 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 14 loans, $10.9M approved, $775K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 University Bank
What are University Bank's total assets?
As of the Q2 2026 filing, University Bank reported total assets of $1.24 billion in its FFIEC call report.
Where is University Bank headquartered?
It is headquartered in Ann Arbor, MI, United States.
When was University Bank founded?
It was established in 1908, per the FDIC institution directory.
Is University Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14587). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates University Bank?
University Bank's primary federal regulator is the FDIC.
How many branches does University Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is University Bank's Texas Ratio?
Its Texas Ratio is 4.12% 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.
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