Total Assets
$1.1B
Total balance-sheet footings
FDIC Cert #11807 · Grand Rapids, Michigan · Est. 1903
United Bank of Michigan - FDIC Bank Health Profile
A community-scale look at United Bank of Michigan's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.1B
- Total assets
- B
- Health grade · Good
- 1.13%
- Return on assets
- 10.0%
- Tier 1 capital
Data updated July 2026
The verdict
United Bank of Michigan earns a PlainBankData health grade of B (76/100), with well-capitalized at 10.01% Tier 1, profitable at 1.13% ROA, 64% efficiency ratio.
- #976
- largest of 4,313 FDIC banks by assets
- 77th
- percentile by asset size, nationally
- 10.01%
- Tier 1 ratio - above the 10% well-capitalized line
- 52nd
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How United Bank of Michigan's 76/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
United Bank of Michigan's composite health score
Tier 1 Capital Ratio (10.01%) 28/40
Return on Assets (ROA) (1.13%) 20/25
Texas Ratio (0.83%) 20/20
Efficiency Ratio (64.05%) 8/15
76 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$903M
Customer-funded liabilities
Net Loans
$837M
Outstanding loan book
Net Income
$12M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where United Bank of Michigan ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. United Bank of Michigan's score of 76/100 falls in the highlighted band.
United Bank of Michigan's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). United Bank of Michigan's $1.1B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.01% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.01%
Texas Ratio
0.83%
Equity Capital
$106M
Profitability metrics
Return on Assets (ROA)
52nd percentile nationally
1.13%
Return on Equity (ROE)
11.67%
Efficiency Ratio
64.05%
What the numbers say about United Bank of Michigan
United Bank of Michigan is an FDIC-insured institution (Certificate #11807) headquartered in Grand Rapids, Michigan, established in 1903. It holds $1.1B in total assets - 976th of 4,313 FDIC-insured banks, $903M in customer deposits, and $837M in net loans. On safety, its Tier 1 capital ratio of 10.01% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.83% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (76/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Michigan, United Bank of Michigan ranks 17th of 73 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$52M
Interest Income
$8M
Non-Interest Income
$28M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. United Bank of Michigan reports a Texas Ratio of 0.83% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.83% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Michigan by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) United Bank of Michigan (FDIC Cert #11807) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Michigan
All Michigan banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Northpointe BankGrand Rapids | $7.0B | B | 1.39% |
| First National Bank of AmericaEast Lansing | $6.7B | A | 2.94% |
| Mercantile BankGrand Rapids | $6.2B | A | 1.61% |
| Independent BankGrand Rapids | $5.5B | B | 1.33% |
| ChoiceOne BankSparta | $4.4B | B | 0.79% |
| Macatawa Bank, National AssociationHolland | $3.7B | A | 1.39% |
| Bank of Ann ArborAnn Arbor | $3.3B | A | 1.72% |
| Isabella BankMount Pleasant | $2.2B | B | 1.02% |
Frequently asked questions
What is United Bank of Michigan's health grade?▼
United Bank of Michigan receives a health grade of B (76/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is United Bank of Michigan?▼
United Bank of Michigan holds $1.1B in total assets and $903M in deposits, ranking 976th of 4,313 FDIC-insured banks by asset size. It is headquartered in Grand Rapids, Michigan.
Is my money safe at United Bank of Michigan?▼
Yes, deposits at United Bank of Michigan (Certificate #11807) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is United Bank of Michigan's Tier 1 Capital Ratio?▼
United Bank of Michigan has a Tier 1 Capital Ratio of 10.01%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for United Bank of Michigan?▼
United Bank of Michigan has a Texas Ratio of 0.83%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is United Bank of Michigan?▼
United Bank of Michigan has an Efficiency Ratio of 64.05%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read United Bank of Michigan's profile as a depositor or analyst.
- United Bank of Michigan's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare United Bank of Michigan against other Michigan banks before moving funds. Michigan banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.