BlastPoint's Banking Scorecard
United Bank of Michigan
Designations: ✓ Community bank
Grand Rapids, MI
13 branches across MI
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 18 in MI.
- Deposits +3.4% year over year ($892.7M on the books).
- Delinquency rate 0.06%.
- Return on assets 1.29%.
- Efficiency ratio 62.37% vs a 59.73% peer average.
- Loan-to-deposit ratio 95.79% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
United Bank of Michigan has 2 strengths but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 38.0% in tier
- + Nonperforming Asset Ratio 0.62% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 3.7% in tier
- - Credit Risk Growth: Bottom 17.4% in tier
- - Capital Thin: Bottom 18.0% in tier
- - Liquidity Strain: Bottom 35.2% in tier
- - ROA 0.11% below tier average
- - Net Interest Margin 0.11% below tier average
- - Efficiency Ratio 2.64% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+2.3% YoY
-2.6% QoQ
|
-$1.7B |
$2.8B
-0.6% YoY
|
$1.0B
+6.5% YoY
|
$6.3B
+7.7% YoY
|
Bottom 6.0% in tier |
| Total Loans ? |
$855.1M
+5.6% YoY
+2.5% QoQ
|
-$1.1B |
$2.0B
-0.3% YoY
|
$767.2M
+9.2% YoY
|
$3.2B
+9.4% YoY
|
19% |
| Total Deposits ? |
$892.7M
+3.4% YoY
-4.5% QoQ
|
-$1.4B |
$2.3B
-0.5% YoY
|
$806.0M
+5.9% YoY
|
$4.9B
+7.3% YoY
|
Bottom 6.9% in tier |
| Return on Assets ? |
1.29%
+26.1% YoY
+11.5% QoQ
|
-0.11% |
1.39%
+17.0% YoY
|
1.18%
+20.1% YoY
|
1.30%
+12.1% YoY
|
53% |
| Net Interest Margin ? |
3.77%
+8.0% YoY
+4.2% QoQ
|
-0.11% |
3.87%
+6.2% YoY
|
4.06%
+4.7% YoY
|
3.95%
+4.9% YoY
|
53% |
| Efficiency Ratio ? |
62.37%
-5.2% YoY
-2.7% QoQ
|
+2.64% |
59.73%
-12.6% YoY
|
65.90%
-5.4% YoY
|
70.05%
+2.5% YoY
|
39% |
| Delinquency Rate ? |
0.06%
+32.2% YoY
-7.6% QoQ
|
-0.80% |
0.87%
+11.7% YoY
|
0.85%
+32.2% YoY
|
0.98%
+16.3% YoY
|
Top 9.2% in tier |
| Loan-to-Deposit Ratio ? |
95.79%
+2.1% YoY
+7.3% QoQ
|
+10.76% |
85.04%
-0.1% YoY
|
80.02%
+3.0% YoY
|
79.03%
+2.3% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
22.24%
+2.5% YoY
+11.2% QoQ
|
+0.97% |
21.27%
-1.5% YoY
|
25.55%
-0.4% YoY
|
21.98%
-0.6% YoY
|
61% |
| Nonperforming Asset Ratio ? |
0.05%
+36.5% YoY
-2.8% QoQ
|
-0.62% |
0.67%
+11.7% YoY
|
0.65%
+27.6% YoY
|
0.69%
+15.8% YoY
|
Top 9.2% in tier |
| Tier 1 Capital Ratio ? |
10.61%
+6.5% YoY
+4.3% QoQ
|
-4.23% |
14.84%
-0.4% YoY
|
20.80%
-0.9% YoY
|
17.09%
+0.8% YoY
|
Bottom 12.2% in tier |
| Non-Interest Income / Assets ? |
0.38%
+3.0% YoY
+121.2% QoQ
|
-0.15% |
0.53%
+2.5% YoY
|
0.38%
+3.3% YoY
|
0.66%
+5.2% YoY
|
68% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
22.2%
+0.5pp YoY +2.2pp QoQ |
+0.9pp | 21.4% | 25.9% | 22.2% | 61% |
| Brokered Deposits | n/a | n/a | 9.5% | 12.3% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
2.1%
-0.3pp YoY -0.2pp QoQ |
-11.9pp | 14.0% | 12.8% | 12.5% | 6% |
| CRE |
75.3%
+2.0pp YoY +0.8pp QoQ |
+25.3pp | 50.0% | 45.9% | 41.4% | 93% |
| 1-4 Family |
22.7%
-1.1pp YoY -0.3pp QoQ |
-3.7pp | 26.4% | 33.6% | 31.3% | 49% |
| Consumer |
0.4%
-0.2pp YoY 0.0pp QoQ |
-4.3pp | 4.7% | 4.6% | 5.0% | 27% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 26.9% | 19.7% | n/a |
| Leverage Ratio |
10.6%
+0.6pp YoY +0.4pp QoQ |
-0.7pp | 11.3% | 12.3% | 12.6% | 52% |
| Total Capital Ratio | n/a | n/a | 16.7% | 27.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
165
+6 (+3.8%) YoY +5 (+3.1%) QoQ |
-149 | 313 | 134 | 482 | 29% |
| Assets per Employee ($) |
$6.4M
-1.5% YoY -5.6% QoQ |
-$4.0M | $10.5M | $6.8M | $8.8M | 17% |
| Branch Count |
13
0 YoY 0 QoQ |
-7 | 20 | 9 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.2% | 0.4% | 30% |
| Nonaccrual |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.8pp | 0.8% | 0.8% | 1.0% | 6% |
| Allowance Coverage |
17.20x
-20.3% YoY +8.1% QoQ |
-1.51x | 18.71x | 6.79x | 20.23x | 94% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 12% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.8%
+2.1pp YoY +1.1pp QoQ |
+0.2pp | 12.6% | 11.7% | 11.6% | 54% |
| Cost of Funds (YTD) |
1.5%
-0.2pp YoY 0.0pp QoQ |
-0.4pp | 1.9% | 1.5% | 1.7% | 25% |
| Net Income ($, YTD) |
$6.9M
+31.7% YoY — QoQ |
-$12.3M | $19.2M | $7.3M | $40.4M | 22% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (4)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.