University Bank: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 12.38 percentage points lower than in Q1 2026, at 81.44%. University Bank ranks 23rd of 72 Michigan banks on return on assets, in the upper half at 1.47% (Q2 2026). University Bank reported 1.47% on return on assets for Q2 2026, 0.19 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 | 10.08% |
| Equity capital to assets | 9.57% |
| Tangible equity to tangible assets | 9.53% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.51% |
| Non-performing assets ratio | 0.50% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 5.07% |
| Allowance for credit losses to loans | 0.42% |
| Reserve coverage of non-performing loans | 81.44% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.47% |
| Return on equity | 15.27% |
| Net interest margin | 4.35% |
| Efficiency ratio | 80.93% |
| Yield on earning assets | 6.42% |
| Cost of funds | 2.17% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.16% |
| Core deposits to total deposits | 72.07% |
| Brokered deposits to total deposits | 25.13% |
| Deposits to assets | 85.43% |
| Securities to assets | 1.74% |
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% | 1.15% | 4.47% | 0.67% | -0.00% |
| Q4 2023 | 10.05% | 0.95% | 4.37% | 0.69% | -0.00% |
| Q1 2024 | 10.02% | 1.09% | 4.03% | 1.01% | 0.02% |
| Q2 2024 | 10.18% | 1.27% | 4.20% | 0.69% | -0.00% |
| Q3 2024 | 10.33% | 1.33% | 4.69% | 1.36% | -0.00% |
| Q4 2024 | 10.40% | 1.45% | 4.55% | 0.15% | -0.00% |
| Q1 2025 | 10.25% | 0.55% | 4.26% | 0.18% | -0.00% |
| Q2 2025 | 10.09% | 1.31% | 4.38% | 0.38% | -0.00% |
| Q3 2025 | 10.24% | 1.45% | 4.43% | 0.59% | -0.00% |
| Q4 2025 | 10.12% | 1.15% | 4.30% | 0.48% | -0.00% |
| Q1 2026 | 10.11% | 0.69% | 4.28% | 0.47% | -0.00% |
| Q2 2026 | 10.08% | 1.47% | 4.35% | 0.51% | -0.00% |
University Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock University Bank, 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 University Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14587) · FFIEC NIC profile (RSSD 137652)