University Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks University Bank of Ann Arbor, 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 | 1.47% | 1.46% | +0.01% | 64th above |
| ROAE | 15.27% | 12.71% | +2.56% | 73rd above |
| Net Interest Margin | 4.35% | 3.85% | +0.50% | 84th top |
| Efficiency Ratio | 80.93% | 57.39% | +23.54% | 6th bottom |
| PPNR / Avg Assets | 2.20% | 1.88% | +0.32% | 79th top |
| Yield on Earning Assets | 6.42% | 5.72% | +0.70% | 87th top |
| Cost of Funds | 2.17% | 2.02% | +0.15% | 38th below |
| Net Interest Spread | 2.07% | 3.18% | -1.11% | 8th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.51% | 1.00% | -0.49% | 57th above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.50% | 0.76% | -0.26% | 49th below |
| NCO / Avg Loans | -0.00% | 0.43% | -0.43% | 84th top |
| ACL / Total Loans | 0.42% | 1.31% | -0.89% | 2nd bottom |
| ACL / NPLs (Coverage) | 81.44% | 543.58% | -462.14% | 21st bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.07% | 7.39% | -2.32% | 49th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.08% | 11.44% | -1.36% | 39th below |
| Equity / Assets | 9.57% | 11.34% | -1.77% | 33rd below |
| TCE / Tangible Assets | 9.53% | 10.50% | -0.97% | 44th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 103.16% | 86.95% | +16.21% | 11th bottom |
| Core Deposit Ratio | 72.07% | 85.56% | -13.49% | 10th bottom |
| Uninsured Deposit Ratio | 70.16% | 33.10% | +37.06% | 2nd bottom |
| Wholesale Funding Ratio | 1.05% | 5.71% | -4.66% | 81st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 12.59% | 9.68% | +2.91% | 83rd top |
| Loan Growth (Y/Y) | 11.18% | 8.05% | +3.13% | 76th top |
| Deposit Growth (Y/Y) | 20.75% | 7.86% | +12.89% | 91st top |
See University Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock University Bank, 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 University Bank profile, how to read a UBPR, or how this data updates.