BlastPoint's Banking Scorecard

University Bank

$1B-$10B Specialty: Mortgage MI FDIC cert 14587

Designations: ✓ Community bank

Ann Arbor, MI

2 branches across MI

884 banks in the $1B-$10B peer group nationally 18 in MI

University Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Deposit Franchise: Top 32.6% in tier
+ Revenue Diversifier: Top 36.2% in tier
+ Delinquency Rate 0.46% below tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 71.6% in tier
- Loan-to-Deposit Ratio 18.44% above tier average
- ROA 0.68% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Total Assets ?	$1.1B +11.9% YoY +2.9% QoQ	-$1.7B	$2.8B -0.1% YoY	$993.6M +8.4% YoY	$6.2B +9.1% YoY	Bottom 12.3% in tier
Total Loans ?	$993.7M +13.3% YoY +0.8% QoQ	-$971.2M	$2.0B +0.6% YoY	$752.3M +12.4% YoY	$3.2B +10.8% YoY	31%
Total Deposits ?	$968.1M +17.6% YoY +8.3% QoQ	-$1.4B	$2.3B -0.3% YoY	$797.0M +7.4% YoY	$4.8B +8.2% YoY	Bottom 12.2% in tier
Return on Assets ?	0.69% +25.3% YoY -39.2% QoQ	-0.68%	1.37% +19.6% YoY	1.15% +25.2% YoY	1.23% +13.4% YoY	16%
Net Interest Margin ?	4.34% +0.9% YoY -2.2% QoQ	+0.52%	3.82% +6.9% YoY	3.99% +5.8% YoY	3.89% +5.7% YoY	84%
Efficiency Ratio ?	90.23% -1.7% YoY +4.1% QoQ	+29.17%	61.06% -4.6% YoY	66.95% -6.2% YoY	66.95% -4.1% YoY	Bottom 2.9% in tier
Delinquency Rate ?	0.43% +138.2% YoY +0.4% QoQ	-0.46%	0.89% +14.1% YoY	0.77% +21.7% YoY	0.95% +18.8% YoY	59%
Loan-to-Deposit Ratio ?	102.64% -3.6% YoY -7.0% QoQ	+18.44%	84.20% +0.3% YoY	78.66% +4.9% YoY	76.70% +0.9% YoY	Bottom 9.3% in tier
Non-Interest-Bearing Deposit Share ?	47.80% +2.5% YoY +4.0% QoQ	+26.51%	21.29% -2.5% YoY	24.69% -2.1% YoY	22.01% -1.2% YoY	Top 1.9% in tier
Nonperforming Asset Ratio ?	0.42% +172.2% YoY -0.9% QoQ	-0.25%	0.67% +15.6% YoY	0.58% +27.6% YoY	0.67% +19.3% YoY	50%
Tier 1 Capital Ratio ?	10.11% -1.4% YoY -0.1% QoQ	-5.05%	15.16% +2.0% YoY	20.91% +0.5% YoY	17.06% +0.8% YoY	Bottom 5.4% in tier
Non-Interest Income / Assets ?	1.47% -5.9% YoY -77.7% QoQ	+1.21%	0.26% +1.6% YoY	0.19% +5.8% YoY	0.32% +4.1% YoY	Top 1.8% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Deposit Franchise

growth

#29 of 86 • Top 32.6% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 47.80%

(Tier: 21.29%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.34%

(Tier: 3.82%, National: 3.89%)

better than tier avg

86 of 86 Mid-Market banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank declining

Revenue Diversifier

growth

#81 of 221 • Top 36.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 1.47%

(Tier: 0.26%, National: 0.32%)

better than tier avg

Return on Assets: 0.69%

(Tier: 1.37%, National: 1.23%)

but worse than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (1)

Efficiency Drag

risk

#54 of 74 • Bottom 71.6% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 90.23%

(Tier: 61.06%, National: 66.95%)

worse than tier avg

74 of 74 Mid-Market banks match · 492 nationally

→ Stable | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (3 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 1.47%

Peer Median: 0.26%

#17 of 884 Top 1.8% in $1B-$10B

Non-Interest-Bearing Deposit Share

funding

Value: 47.80%

Peer Median: 21.29%

#18 of 884 Top 1.9% in $1B-$10B

142

Net Interest Margin

profitability

Value: 4.34%

Peer Median: 3.82%

#142 of 884 Top 16.0% in $1B-$10B

Top Weaknesses (6 metrics)

859

Efficiency Ratio

profitability

Value: 90.23%

Peer Median: 61.06%

#859 of 884 Bottom 2.9% in $1B-$10B

837

Tier 1 Capital Ratio

capital

Value: 10.11%

Peer Median: 15.16%

#837 of 884 Bottom 5.4% in $1B-$10B

803

Loan-to-Deposit Ratio

liquidity

Value: 102.64%

Peer Median: 84.20%

#803 of 884 Bottom 9.3% in $1B-$10B

777

Total Deposits

size

Value: $968.10M

Peer Median: $2.34B

#777 of 884 Bottom 12.2% in $1B-$10B

776

Total Assets

size

Value: $1.14B

Peer Median: $2.82B

#776 of 884 Bottom 12.3% in $1B-$10B

743

Return on Assets

profitability

Value: 0.69%

Peer Median: 1.37%

#743 of 884 Bottom 16.1% in $1B-$10B