BlastPoint's Banking Scorecard
United Bank of Michigan
Community
Specialty: Commercial
MI
FDIC cert 11807
Grand Rapids, MI
1484
banks in Community tier nationally
28 in MI
View Community leaderboard (MI) →
United Bank of Michigan faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 19% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+8.4% YoY
+0.9% QoQ
|
-$312.8M |
$1.4B
+2.0% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
54% |
| Total Loans ? |
$836.9M
+4.1% YoY
-0.8% QoQ
|
-$138.6M |
$975.5M
+2.4% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
60% |
| Total Deposits ? |
$903.2M
+9.9% YoY
+2.0% QoQ
|
-$261.4M |
$1.2B
+1.7% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
54% |
| Return on Assets ? |
1.13%
+34.5% YoY
+2.7% QoQ
|
-0.04% |
1.16%
+17.2% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
50% |
| Net Interest Margin ? |
3.61%
+9.5% YoY
+1.9% QoQ
|
-0.05% |
3.66%
+9.1% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
47% |
| Efficiency Ratio ? |
64.05%
-10.4% YoY
+0.1% QoQ
|
+1.41% |
62.63%
-5.3% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
44% |
| Delinquency Rate ? |
0.11%
-57.2% YoY
-24.8% QoQ
|
-0.51% |
0.63%
+18.3% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
92.66%
-5.3% YoY
-2.8% QoQ
|
+9.59% |
83.06%
+0.3% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
20.75%
+3.3% YoY
+1.5% QoQ
|
-0.29% |
21.05%
-0.9% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
54% |
| Nonperforming Asset Ratio ? |
0.09%
-58.9% YoY
-26.1% QoQ
|
-0.41% |
0.50%
+20.3% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
81% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.76%
+0.4% YoY
+35.0% QoQ
|
+0.02% |
0.74%
-1.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
74% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Liquidity Strain
risk
#97 of 513 · Bottom 19% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
92.66%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
81
81th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
80
80th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.63%
74
74th pctile
Non-Interest Income / Assets
Current: 0.76% · Tier avg: 0.74%
60
60th pctile
Total Loans
Current: $836.9M · Tier avg: $975.5M
54
54th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
54
54th pctile
Total Deposits
Current: $903.2M · Tier avg: $1.2B
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 20.75% · Tier avg: 21.05%
50
50th pctile
Return on Assets
Current: 1.13% · Tier avg: 1.16%
47
47th pctile
Net Interest Margin
Current: 3.61% · Tier avg: 3.66%
44
44th pctile
Efficiency Ratio
Current: 64.05% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
28
28th pctile
Loan-to-Deposit Ratio
Current: 92.66% · Tier avg: 83.06%
Top Weaknesses
28
28th pctile
Loan-to-Deposit Ratio
Current: 92.66% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
44
44th pctile
Efficiency Ratio
Current: 64.05% · Tier avg: 62.63%
47
47th pctile
Net Interest Margin
Current: 3.61% · Tier avg: 3.66%
50
50th pctile
Return on Assets
Current: 1.13% · Tier avg: 1.16%
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 20.75% · Tier avg: 21.05%
54
54th pctile
Total Deposits
Current: $903.2M · Tier avg: $1.2B
54
54th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
60
60th pctile
Total Loans
Current: $836.9M · Tier avg: $975.5M
74
74th pctile
Non-Interest Income / Assets
Current: 0.76% · Tier avg: 0.74%
80
80th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.63%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%