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United Bank Of Michigan
Grand Rapids, MI · FDIC Certificate #11807 · Chartered 01/0
Total assets
$1.06B
Total deposits
$892.66M
Total equity
$110.56M
Net loans
$855.09M
Branches (offices)
13
Net income (YTD)
$6.92M
Rank: #992 of 4,213 U.S. banks by assets · #16 of 72 in Michigan. Assets changed 2.3% and deposits 3.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.29% |
| Return on equity | 12.78% |
| Net interest margin (YTD) | 3.77% |
| Equity to assets | 10.41% |
| Tier 1 leverage ratio | 10.61% |
| Uninsured deposits (share of deposits) | 20.7% |
| Noncurrent loans (share of loans) | 0.06% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 95.8% |
| Real estate loans (share of loans) | 98.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $841.14M | 98.4% | |
| Commercial & industrial | $18.19M | 2.1% | |
| Consumer / individual | $3.40M | 0.4% | |
| Construction & development | $57.13M | 6.7% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $845.28M | $716.92M | $3.40M | $81.30M |
| Jun 2023 | $912.55M | $750.24M | $4.70M | $88.22M |
| Jun 2024 | $996.47M | $829.16M | $3.83M | $93.42M |
| Jun 2025 | $1.04B | $863.66M | $5.25M | $100.86M |
| Jun 2026 | $1.06B | $892.66M | $6.92M | $110.56M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Michigan | $892.66M | 13 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $892.66M.
Similar-sized banks
Commerceone Bank ($1.06B) · Centennial Bank ($1.06B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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