United Bank of Michigan

BankGrand Rapids, Michigan
http://www.unitedbank4u.com

Total Assets

$1.1B

Total Deposits

$903.2M

Branches

13

Established

1903

TFS Health Grade

$
D+

69.3 / 100

Below average financial health

How we grade

United Bank of Michigan is a bank headquartered in Grand Rapids, Michigan, established in 1903. With $1.1B in total assets and 13 branch locations, it has a TFS Financial Health Grade of D+ (69.3/100).

Capital & Safety

Tier 1 Capital Ratio
10.01%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.11%

Profitability

Return on Assets (ROA)
1.13%(1%)
Return on Equity (ROE)
11.67%(10%)
Net Interest Margin
3.61%
Efficiency Ratio
64.05%(60%)

Lending & Liquidity

Total Loans
$846.0M
Loan-to-Deposit Ratio
92.66%
Net Charge-Off Ratio
0.05%

Growth

Asset Growth (YoY)
+8.44%
Deposit Growth (YoY)
+9.92%
Net Income
$11.8M

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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