BlastPoint's Banking Scorecard
University Bank
Designations: ✓ Community bank
Ann Arbor, MI
2 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 +20.8% year over year ($1.1B on the books).
- Delinquency rate 0.41%.
- Return on assets 1.08%.
- Efficiency ratio 85.11% vs a 59.73% peer average.
- Loan-to-deposit ratio 102.73% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
University Bank has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 28.8% in tier
- + Deposit Franchise: Top 31.2% in tier
- + Delinquency Rate 0.46% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 18.7% in tier
- - Efficiency Drag: Bottom 63.3% in tier
- - Loan-to-Deposit Ratio 17.69% above tier average
- - ROA 0.31% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+12.6% YoY
+8.8% QoQ
|
-$1.6B |
$2.8B
-0.6% YoY
|
$1.0B
+6.5% YoY
|
$6.3B
+7.7% YoY
|
20% |
| Total Loans ? |
$1.1B
+11.2% YoY
+9.7% QoQ
|
-$872.9M |
$2.0B
-0.3% YoY
|
$767.2M
+9.2% YoY
|
$3.2B
+9.4% YoY
|
36% |
| Total Deposits ? |
$1.1B
+20.8% YoY
+9.6% QoQ
|
-$1.3B |
$2.3B
-0.5% YoY
|
$806.0M
+5.9% YoY
|
$4.9B
+7.3% YoY
|
20% |
| Return on Assets ? |
1.08%
+16.6% YoY
+57.0% QoQ
|
-0.31% |
1.39%
+17.0% YoY
|
1.18%
+20.1% YoY
|
1.30%
+12.1% YoY
|
35% |
| Net Interest Margin ? |
4.36%
+0.5% YoY
+0.6% QoQ
|
+0.49% |
3.87%
+6.2% YoY
|
4.06%
+4.7% YoY
|
3.95%
+4.9% YoY
|
83% |
| Efficiency Ratio ? |
85.11%
-3.6% YoY
-5.7% QoQ
|
+25.38% |
59.73%
-12.6% YoY
|
65.90%
-5.4% YoY
|
70.05%
+2.5% YoY
|
Bottom 3.3% in tier |
| Delinquency Rate ? |
0.41%
+10.4% YoY
-5.2% QoQ
|
-0.46% |
0.87%
+11.7% YoY
|
0.85%
+32.2% YoY
|
0.98%
+16.3% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
102.73%
-7.9% YoY
+0.1% QoQ
|
+17.69% |
85.04%
-0.1% YoY
|
80.02%
+3.0% YoY
|
79.03%
+2.3% YoY
|
Bottom 9.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
49.77%
+2.0% YoY
+4.1% QoQ
|
+28.50% |
21.27%
-1.5% YoY
|
25.55%
-0.4% YoY
|
21.98%
-0.6% YoY
|
Top 1.7% in tier |
| Nonperforming Asset Ratio ? |
0.41%
+13.8% YoY
-3.5% QoQ
|
-0.27% |
0.67%
+11.7% YoY
|
0.65%
+27.6% YoY
|
0.69%
+15.8% YoY
|
51% |
| Tier 1 Capital Ratio ? |
10.08%
-0.0% YoY
-0.2% QoQ
|
-4.76% |
14.84%
-0.4% YoY
|
20.80%
-0.9% YoY
|
17.09%
+0.8% YoY
|
Bottom 6.4% in tier |
| Non-Interest Income / Assets ? |
3.14%
+0.7% YoY
+114.1% QoQ
|
+2.62% |
0.53%
+2.5% YoY
|
0.38%
+3.3% YoY
|
0.66%
+5.2% YoY
|
Top 1.7% in tier |
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 |
49.8%
+1.0pp YoY +2.0pp QoQ |
+28.4pp | 21.4% | 25.9% | 22.2% | 98% |
| Brokered Deposits |
25.1%
-2.5pp YoY -1.4pp QoQ |
+15.7pp | 9.5% | 12.3% | 8.5% | 92% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
0.8%
+0.1pp YoY 0.0pp QoQ |
-13.2pp | 14.0% | 12.8% | 12.5% | 2% |
| CRE |
14.5%
-0.5pp YoY -1.0pp QoQ |
-35.6pp | 50.0% | 45.9% | 41.4% | 2% |
| 1-4 Family |
78.1%
-0.1pp YoY -0.1pp QoQ |
+51.6pp | 26.4% | 33.6% | 31.3% | 98% |
| Consumer |
1.5%
+0.3pp YoY +0.1pp QoQ |
-3.2pp | 4.7% | 4.6% | 5.0% | 56% |
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 |
10.1%
0.0pp YoY 0.0pp QoQ |
-1.2pp | 11.3% | 12.3% | 12.6% | 38% |
| 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 |
543
+1 (+0.2%) YoY +10 (+1.9%) QoQ |
+229 | 313 | 134 | 482 | 86% |
| Assets per Employee ($) |
$2.3M
+12.4% YoY +6.8% QoQ |
-$8.2M | $10.5M | $6.8M | $8.8M | 1% |
| Branch Count |
2
0 YoY 0 QoQ |
-18 | 20 | 9 | 18 | 5% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.4%
0.0pp YoY 0.0pp QoQ |
-0.4pp | 0.8% | 0.8% | 1.0% | 41% |
| Allowance Coverage |
1.03x
-21.6% YoY -0.6% QoQ |
-17.68x | 18.71x | 6.79x | 20.23x | 25% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 13% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.2%
+1.8pp YoY +4.1pp QoQ |
-1.4pp | 12.6% | 11.7% | 11.6% | 42% |
| Cost of Funds (YTD) |
2.2%
0.0pp YoY -0.1pp QoQ |
+0.2pp | 1.9% | 1.5% | 1.7% | 69% |
| Net Income ($, YTD) |
$6.3M
+32.3% YoY — QoQ |
-$12.9M | $19.2M | $7.3M | $40.4M | 18% |
Get Full Access to University Bank
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 (2)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (2)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.