Institution Class	Commercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary Regulator	FDIC
Established Date	01/01/1903
Community Bank	Yes
Ownership Type	Not Mutual
ZIP	49546
State and County Number	26081
Subchapter S Corporations	No
Trust Powers	N/A
Federal Reserve ID Number	07
Numeric code	21
Insured by FDIC	Institutions that are currently open and insured by the FDIC
Federal Reserve District	Chicago
Core Based Statistical Area Name	Grand Rapids-Kentwood, MI

Operational Info

Number of Employees	159
Domestic Offices	13
Foreign Offices	0
US Offices	0
Directly owned by another bank (CERT)	No
Last Structure Change Effective Date	10/09/2022
Date of Deposit Insurance	01/02/1934
Primary Insurance Agency	DIF
Website	http://www.unitedbank4u.com
Data Updated	11/14/2025
CERT	11807
Office of The Comptroller District:	—
Office of Thrift Supervision Region	N/A

Financial Summary

Total Assets	$1.07B
Total Deposits	$885.44M
Total Liabilities	$964.68M
Total Equity Capital	$103.92M
Net Income	$3.32M
Net Loans and Leases	$844.00M
Assets Per Employee ($Millions)	$6.72M
Bank Premises and Fixed Assets	$18.14M
Cash and Balances due from Depository Institutions	$77.19M
Deposits Held in Domestic Offices	$885.44M

Return on Assets (ROA)	1.26%
Return on Equity (ROE)	12.97%
Net Interest Margin	3.67%
Efficiency Ratio	60.66%
Tier 1 Risk-Based Capital Ratio	0%
Net Loans and Leases to Core Deposits	0%
Credit Loss Provision to Assets	0.1%
Cash Dividends to Net Income (YTD Only)	0%
Equity Capital to Assets	9.725%
Earning Assets to total Assets	93.14%

Total Interest Income	$13.28M
Total Noninterest Income	$2.14M
Total Interest Expense	$4.27M
Total Noninterest Expense	$6.76M
Net Interest Income	$9.01M
Pre-tax Net Operating Income	$4.12M
Provision for Credit Losses	$271.00k
Discontinued Operations (Extraordinary Gains - Net)	$0

Goodwill and Other Intangibles	$0
All Other Assets	$0
Other Real Estate Owned	$0
Other borrowed funds	$70.77M
Federal Funds Sold & Reverse Repurchase Agreement	$12.52M
Federal Funds Purchased and Repurchased Agreement	$0
All Other Liabilities	$8.47M
Total Liabilities and Capital	$1.07B

Securities	$75.43M
Available-for-sale debt securities	$75.43M
Equity securities with readily determinable fair values not held for trading	$0
Held-to-maturity securities	$0
Subordinated Debt	$0
Trading Account Assets	$0
Trading Liabilities	$0

What are the total assets of United Bank of Michigan?

$1.07B as of the latest filing.

How much are United Bank of Michigan's total deposits?

$885.44M in total deposits.

Where is United Bank of Michigan located?

Grand Rapids, MI.

What is the Net Interest Margin?

3.67%.

How many domestic offices does it operate?

13.

When was it established?

01/01/1903.

What is the Return on Assets (ROA)?

1.26%.

How much are total loans and leases?

$844.00M (latest filing).

What is the total interest income (latest filing)?

$13.28M.