University Bank

BankAnn Arbor, Michigan
www.university-bank.com

Total Assets

$1.1B

Total Deposits

$893.7M

Branches

2

Established

1908

TFS Health Grade

$
D-

62.0 / 100

Below average financial health

How we grade

University Bank is a bank headquartered in Ann Arbor, Michigan, established in 1908. With $1.1B in total assets and 2 branch locations, it has a TFS Financial Health Grade of D- (62.0/100).

Capital & Safety

Tier 1 Capital Ratio
10.12%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.43%

Profitability

Return on Assets (ROA)
1.13%(1%)
Return on Equity (ROE)
11.58%(10%)
Net Interest Margin
4.43%
Efficiency Ratio
86.64%(60%)

Lending & Liquidity

Total Loans
$990.6M
Loan-to-Deposit Ratio
110.35%
Net Charge-Off Ratio
-0.00%

Growth

Asset Growth (YoY)
+16.11%
Deposit Growth (YoY)
+22.21%
Net Income
$12.0M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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