United Bank of Michigan is a state-chartered bank headquartered in Grand Rapids, Michigan, in business for about 123 years. At the end of Q2 2026 it reported $1.1B in total assets and $892.7M in deposits, with 13 offices.
United Bank of Michigan has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 74% of its 897 banks with $1 billion – $10 billion. Among 72 banks headquartered in Michigan, it ranks 22nd. Problem-loan coverage contributes the most (99/100, 0.4%); capital cushion contributes the least (56/100, 10.61%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 4 points (70 → 74), mostly because the earnings component improved by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 68 |
| Q3 2024 | 68 |
| Q4 2024 | 66 |
| Q1 2025 | 68 |
| Q2 2025 | 70 |
| Q3 2025 | 69 |
| Q4 2025 | 70 |
| Q1 2026 | 71 |
| Q2 2026 | 74 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.85% |
| Q3 2024 | 9.82% |
| Q4 2024 | 10.02% |
| Q1 2025 | 9.72% |
| Q2 2025 | 9.96% |
| Q3 2025 | 9.91% |
| Q4 2025 | 10.01% |
| Q1 2026 | 10.17% |
| Q2 2026 | 10.61% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.04% |
| Q3 2024 | 0.02% |
| Q4 2024 | 0.26% |
| Q1 2025 | 0.13% |
| Q2 2025 | 0.05% |
| Q3 2025 | 0.15% |
| Q4 2025 | 0.11% |
| Q1 2026 | 0.07% |
| Q2 2026 | 0.06% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.78% |
| Q3 2024 | 0.83% |
| Q4 2024 | 0.84% |
| Q1 2025 | 0.99% |
| Q2 2025 | 1.02% |
| Q3 2025 | 1.10% |
| Q4 2025 | 1.13% |
| Q1 2026 | 1.15% |
| Q2 2026 | 1.29% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $1.1B | 10.61% | 0.06% | 1.29% | 95.8% |
| Q1 2026 | 71 | $1.1B | 10.17% | 0.07% | 1.15% | 89.3% |
| Q4 2025 | 70 | $1.1B | 10.01% | 0.11% | 1.13% | 92.7% |
| Q3 2025 | 69 | $1.1B | 9.91% | 0.15% | 1.10% | 95.3% |
| Q2 2025 | 70 | $1.0B | 9.96% | 0.05% | 1.02% | 93.8% |
| Q1 2025 | 68 | $1.1B | 9.72% | 0.13% | 0.99% | 90.4% |
| Q4 2024 | 66 | $994.7M | 10.02% | 0.26% | 0.84% | 97.8% |
| Q3 2024 | 68 | $994.6M | 9.82% | 0.02% | 0.83% | 97.6% |
| Q2 2024 | 68 | $996.5M | 9.85% | 0.04% | 0.78% | 95.3% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Michigan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Superior National BankBank Hancock, MI | 73 out of 100, Strong | $1.0B | 11.7% | 0.65% | vs |
| Sturgis Bank & Trust CompanyBank Sturgis, MI | 56 out of 100, Moderate | $1.0B | 8.6% | 0.92% | vs |
| Northstar BankBank Bad Axe, MI | 59 out of 100, Moderate | $1.2B | 9.1% | 0.80% | vs |
| West Michigan Community BankBank Hudsonville, MI | 53 out of 100, Below average | $1.2B | 9.2% | 1.40% | vs |
| University BankBank Ann Arbor, MI | 60 out of 100, Moderate | $1.2B | 10.1% | 0.41% | vs |
| First State BankBank Eastpointe, MI | 63 out of 100, Moderate | $1.3B | 10.0% | 0.81% | vs |
Deposit insurance
Is my money safe at United Bank of Michigan?
Yes. United Bank of Michigan is an FDIC-insured institution (FDIC certificate #11807). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 20.7% of deposits ($184.8M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.61%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
13 locations
Branches
United Bank of Michigan lists 13 offices in 11 cities. Most locations:
- Grand Rapids, MI (3)
- Byron Center, MI (1)
- Caledonia, MI (1)
- Clarksville, MI (1)
- Dorr, MI (1)
- Holland, MI (1)
- Hopkins, MI (1)
- Jenison, MI (1)
- Rockford, MI (1)
- Shelbyville, MI (1)
- Wayland, MI (1)
HMDA 2025
Mortgage lending
In 2025, United Bank of Michigan reported 490 home-loan applications under HMDA (LEI 2549004W2JKWS6P17T44): 345 originated ($102,055,000 total), 60 denied, and 83 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.7%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- United Bank of Michigan
- Former names
- United Community Bank; Wayland State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 11807
- RSSD ID
- 150044
- Primary regulator
- FDIC
- Holding company
- United Bank Financial Corp
- Established
- January 1, 1903
- Headquarters
- 900 East Paris Ave Se, Grand Rapids, MI 49546
- Website
- www.unitedbank4u.com
- Employees
- 165
Quick answers
United Bank of Michigan: common questions
Is United Bank of Michigan FDIC insured?
Yes. United Bank of Michigan is an FDIC-insured institution (FDIC certificate #11807). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is United Bank of Michigan's TellerScore?
74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has United Bank of Michigan ever failed?
There is no failure record for FDIC certificate #11807 in the FDIC failed bank list.
How many branches does United Bank of Michigan have?
13 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Grand Rapids
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Total Community Credit UnionCredit union Taylor, MI | 97 out of 100, Very strong | $111.3M | 15.3% | 0.36% | vs |
| Allegheny Central Federal Credit UnionCredit union Dunbar, PA | 95 out of 100, Very strong | $8.2M | 20.8% | 0.18% | vs |
| Aac Credit UnionCredit union Grand Rapids, MI | 90 out of 100, Very strong | $212.4M | 24.2% | 0.36% | vs |
| Preferred Credit UnionCredit union Grand Rapids, MI | 87 out of 100, Very strong | $318.1M | 14.3% | 0.37% | vs |
| Blue Water Federal Credit UnionCredit union Port Huron, MI | 86 out of 100, Very strong | $20.4M | 14.4% | 0.23% | vs |
| Tri-Cities Credit UnionCredit union Grand Haven, MI | 86 out of 100, Very strong | $51.3M | 13.9% | 0.05% | vs |