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University Bank

Ann Arbor, MI
IDRSSD: 137652
Total Assets
$1.13B
Latest filing
Total Deposits
$911.47M
Latest filing
Net Interest Margin
4.45%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date05/08/1908
Community BankYes
Ownership TypeNot Mutual
ZIP48104
State and County Number26161
Subchapter S CorporationsNo
Trust PowersN/A
Federal Reserve ID Number07
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictChicago
Core Based Statistical Area NameAnn Arbor, MI

Operational Info

Number of Employees542
Domestic Offices1
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance07/23/1934
Primary Insurance AgencyDIF
Websitewww.university-bank.com
Data Updated11/14/2025
CERT14587
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$1.13B
Total Deposits$911.47M
Total Liabilities$1.01B
Total Equity Capital$119.71M
Net Income$4.17M
Net Loans and Leases$1.01B
Assets Per Employee ($Millions)$2.12M
Bank Premises and Fixed Assets$10.24M
Cash and Balances due from Depository Institutions$32.20M
Deposits Held in Domestic Offices$911.47M

Key Performance Ratios

Return on Assets (ROA)1.44%
Return on Equity (ROE)15.25%
Net Interest Margin4.45%
Efficiency Ratio82.61%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.05%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets9.448%
Earning Assets to total Assets93.23%

Income and Expense

Total Interest Income$17.16M
Total Noninterest Income$19.74M
Total Interest Expense$5.59M
Total Noninterest Expense$25.88M
Net Interest Income$11.57M
Pre-tax Net Operating Income$5.29M
Provision for Credit Losses$134.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$637.00k
Other borrowed funds$75.00M
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$26.54M
Total Liabilities and Capital$1.13B

Securities

Securities$19.54M
Available-for-sale debt securities$35.00k
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$19.51M
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of University Bank?
$1.13B as of the latest filing.
How much are University Bank's total deposits?
$911.47M in total deposits.
Where is University Bank located?
Ann Arbor, MI.
What is the Net Interest Margin?
4.45%.
How many domestic offices does it operate?
1.
When was it established?
05/08/1908.
What is the Return on Assets (ROA)?
1.44%.
How much are total loans and leases?
$1.01B (latest filing).
What is the total interest income (latest filing)?
$17.16M.