United Bank of Michigan
Grand Rapids, MI
IDRSSD: 150044
Total Assets
$1.08B
Latest filing
Total Deposits
$903.17M
Latest filing
Net Interest Margin
3.80%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
United Bank of Michigan
900 East Paris Ave Se
Grand Rapids, MI 49546
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1903FDIC Certificate 7552
Branches (12)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| United Bank of Michigan (Main) | 900 East Paris Ave Se | Grand Rapids, MI |
| DORR BRANCH | 1796 142nd Ave | Dorr, MI |
| HOPKINS BRANCH | 102 W Main St | Hopkins, MI |
| CLARKSVILLE BRANCH | 132 S Main St | Clarksville, MI |
| WAYLAND BRANCH | 1131 W Superior St | Wayland, MI |
| GUN LAKE BRANCH | 2404 Patterson | Shelbyville, MI |
| CASCADE VILLAGE BRANCH | 6801 Cascade Rd Se | Grand Rapids, MI |
| ROCKFORD BRANCH | 155 Marcell Dr Ne | Rockford, MI |
Showing 7 of 12
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| 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 | 01/30/2026 |
| CERT | 11807 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.08B |
| Total Deposits | $903.17M |
| Total Liabilities | $972.28M |
| Total Equity Capital | $106.34M |
| Net Income | $3.25M |
| Net Loans and Leases | $836.85M |
| Assets Per Employee ($Millions) | $6.66M |
| Bank Premises and Fixed Assets | $17.95M |
| Cash and Balances due from Depository Institutions | $84.52M |
| Deposits Held in Domestic Offices | $903.17M |
Key Performance Ratios
| Return on Assets (ROA) | 1.21% |
| Return on Equity (ROE) | 12.37% |
| Net Interest Margin | 3.8% |
| Efficiency Ratio | 64.25% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.859% |
| Earning Assets to total Assets | 92.84% |
Income and Expense
| Total Interest Income | $13.59M |
| Total Noninterest Income | $2.17M |
| Total Interest Expense | $4.11M |
| Total Noninterest Expense | $7.48M |
| Net Interest Income | $9.48M |
| Pre-tax Net Operating Income | $4.02M |
| Provision for Credit Losses | $138.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $60.52M |
| Federal Funds Sold & Reverse Repurchase Agreement | $11.93M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $8.59M |
| Total Liabilities and Capital | $1.08B |
Securities
| Securities | $85.49M |
| Available-for-sale debt securities | $85.49M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of United Bank of Michigan?
$1.08B as of the latest filing.
How much are United Bank of Michigan's total deposits?
$903.17M in total deposits.
Where is United Bank of Michigan located?
Grand Rapids, MI.
What is the Net Interest Margin?
3.80%.
How many domestic offices does it operate?
13.
When was it established?
01/01/1903.
What is the Return on Assets (ROA)?
1.21%.
How much are total loans and leases?
$836.85M (latest filing).
What is the total interest income (latest filing)?
$13.59M.