University Bank
Ann Arbor, MI
IDRSSD: 137652
Total Assets
$1.11B
Latest filing
Total Deposits
$893.70M
Latest filing
Net Interest Margin
4.43%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
2 routesView all→
072413722ANN ARBOR, MI072414530ANN ARBOR, MI
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
University Bank
2015 Washtenaw Ave
Ann Arbor, MI 48104
Full Service - Brick and Mortar
Updated 01/30/2026Established 05/08/1908FDIC Certificate 9119
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| University Bank (Main) | 2015 Washtenaw Ave | Ann Arbor, MI |
| YPSI BRANCH | 301 W Michigan Ave | Ypsilanti, MI |
Showing 1 of 1
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 | 05/08/1908 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 48104 |
| State and County Number | 26161 |
| 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 | Ann Arbor, MI |
Operational Info
| Number of Employees | 534 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 07/23/1934 |
| Primary Insurance Agency | DIF |
| Website | www.university-bank.com |
| Data Updated | 01/30/2026 |
| CERT | 14587 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.11B |
| Total Deposits | $893.70M |
| Total Liabilities | $988.72M |
| Total Equity Capital | $121.54M |
| Net Income | $3.50M |
| Net Loans and Leases | $986.22M |
| Assets Per Employee ($Millions) | $2.12M |
| Bank Premises and Fixed Assets | $10.15M |
| Cash and Balances due from Depository Institutions | $20.94M |
| Deposits Held in Domestic Offices | $893.70M |
Key Performance Ratios
| Return on Assets (ROA) | 1.16% |
| Return on Equity (ROE) | 12.09% |
| Net Interest Margin | 4.43% |
| Efficiency Ratio | 87.89% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.16% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.782% |
| Earning Assets to total Assets | 92.28% |
Income and Expense
| Total Interest Income | $17.23M |
| Total Noninterest Income | $18.97M |
| Total Interest Expense | $5.71M |
| Total Noninterest Expense | $26.81M |
| Net Interest Income | $11.52M |
| Pre-tax Net Operating Income | $4.13M |
| Provision for Credit Losses | $-449,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $507.00k |
| Other borrowed funds | $66.43M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $28.59M |
| Total Liabilities and Capital | $1.11B |
Securities
| Securities | $18.46M |
| Available-for-sale debt securities | $33.00k |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $18.43M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of University Bank?
$1.11B as of the latest filing.
How much are University Bank's total deposits?
$893.70M in total deposits.
Where is University Bank located?
Ann Arbor, MI.
What is the Net Interest Margin?
4.43%.
How many domestic offices does it operate?
2.
When was it established?
05/08/1908.
What is the Return on Assets (ROA)?
1.16%.
How much are total loans and leases?
$986.22M (latest filing).
What is the total interest income (latest filing)?
$17.23M.