BlastPoint's Banking Scorecard
United Bank of Michigan
Designations: ✓ Community bank
Grand Rapids, MI
13 branches across MI
United Bank of Michigan has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.82% below tier average
- + Nonperforming Asset Ratio 0.62% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 13.1% in tier
- - ROA 0.21% below tier average
- - Net Interest Margin 0.21% below tier average
- - Efficiency Ratio 3.03% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+3.0% YoY
+1.2% QoQ
|
-$1.7B |
$2.8B
-0.1% YoY
|
$993.6M
+8.4% YoY
|
$6.2B
+9.1% YoY
|
Bottom 9.2% in tier |
| Total Loans ? |
$834.2M
+2.9% YoY
-0.3% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$752.3M
+12.4% YoY
|
$3.2B
+10.8% YoY
|
18% |
| Total Deposits ? |
$934.4M
+4.2% YoY
+3.5% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$797.0M
+7.4% YoY
|
$4.8B
+8.2% YoY
|
Bottom 10.1% in tier |
| Return on Assets ? |
1.15%
+16.5% YoY
+2.2% QoQ
|
-0.21% |
1.37%
+19.6% YoY
|
1.15%
+25.2% YoY
|
1.23%
+13.4% YoY
|
44% |
| Net Interest Margin ? |
3.61%
+6.2% YoY
+0.0% QoQ
|
-0.21% |
3.82%
+6.9% YoY
|
3.99%
+5.8% YoY
|
3.89%
+5.7% YoY
|
48% |
| Efficiency Ratio ? |
64.09%
-3.6% YoY
+0.1% QoQ
|
+3.03% |
61.06%
-4.6% YoY
|
66.95%
-6.2% YoY
|
66.95%
-4.1% YoY
|
37% |
| Delinquency Rate ? |
0.07%
-49.5% YoY
-40.9% QoQ
|
-0.82% |
0.89%
+14.1% YoY
|
0.77%
+21.7% YoY
|
0.95%
+18.8% YoY
|
Top 8.6% in tier |
| Loan-to-Deposit Ratio ? |
89.28%
-1.3% YoY
-3.6% QoQ
|
+5.08% |
84.20%
+0.3% YoY
|
78.66%
+4.9% YoY
|
76.70%
+0.9% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
20.00%
+0.2% YoY
-3.7% QoQ
|
-1.29% |
21.29%
-2.5% YoY
|
24.69%
-2.1% YoY
|
22.01%
-1.2% YoY
|
52% |
| Nonperforming Asset Ratio ? |
0.05%
-49.6% YoY
-41.8% QoQ
|
-0.62% |
0.67%
+15.6% YoY
|
0.58%
+27.6% YoY
|
0.67%
+19.3% YoY
|
Top 8.8% in tier |
| Tier 1 Capital Ratio ? |
10.17%
+4.7% YoY
+1.6% QoQ
|
-4.99% |
15.16%
+2.0% YoY
|
20.91%
+0.5% YoY
|
17.06%
+0.8% YoY
|
Bottom 6.0% in tier |
| Non-Interest Income / Assets ? |
0.17%
+1.5% YoY
-77.2% QoQ
|
-0.09% |
0.26%
+1.6% YoY
|
0.19%
+5.8% YoY
|
0.32%
+4.1% YoY
|
61% |
Get Full Access to United Bank of Michigan
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.