University Bank (FDIC certificate #14587) is based in Ann Arbor, Michigan. Its Q2 2026 call report shows $1.2B in total assets and $1.1B in deposits and 2 offices.
University Bank has a TellerScore of 60 out of 100 (moderate) based on Q2 2026 data — higher than only 21% of its 897 banks with $1 billion – $10 billion. Among 72 banks headquartered in Michigan, it ranks 54th. Problem-loan coverage contributes the most (93/100, 3.7%); funding & liquidity contributes the least (8/100, 103% loans-to-deposits, 70% uninsured).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (60 → 60).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 59 |
| Q3 2024 | 55 |
| Q4 2024 | 67 |
| Q1 2025 | 60 |
| Q2 2025 | 60 |
| Q3 2025 | 61 |
| Q4 2025 | 62 |
| Q1 2026 | 57 |
| Q2 2026 | 60 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.18% |
| Q3 2024 | 10.33% |
| Q4 2024 | 10.40% |
| Q1 2025 | 10.25% |
| Q2 2025 | 10.09% |
| Q3 2025 | 10.24% |
| Q4 2025 | 10.12% |
| Q1 2026 | 10.11% |
| Q2 2026 | 10.08% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.69% |
| Q3 2024 | 1.36% |
| Q4 2024 | 0.15% |
| Q1 2025 | 0.18% |
| Q2 2025 | 0.37% |
| Q3 2025 | 0.49% |
| Q4 2025 | 0.43% |
| Q1 2026 | 0.43% |
| Q2 2026 | 0.41% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.17% |
| Q3 2024 | 1.23% |
| Q4 2024 | 1.29% |
| Q1 2025 | 0.55% |
| Q2 2025 | 0.93% |
| Q3 2025 | 1.11% |
| Q4 2025 | 1.13% |
| Q1 2026 | 0.69% |
| Q2 2026 | 1.08% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 60 | $1.2B | 10.08% | 0.41% | 1.08% | 102.7% |
| Q1 2026 | 57 | $1.1B | 10.11% | 0.43% | 0.69% | 102.6% |
| Q4 2025 | 62 | $1.1B | 10.12% | 0.43% | 1.13% | 110.4% |
| Q3 2025 | 61 | $1.1B | 10.24% | 0.49% | 1.11% | 110.3% |
| Q2 2025 | 60 | $1.1B | 10.09% | 0.37% | 0.93% | 111.5% |
| Q1 2025 | 60 | $1.0B | 10.25% | 0.18% | 0.55% | 106.5% |
| Q4 2024 | 67 | $956.2M | 10.40% | 0.15% | 1.29% | 114.4% |
| Q3 2024 | 55 | $971.3M | 10.33% | 1.36% | 1.23% | 103.5% |
| Q2 2024 | 59 | $996.7M | 10.18% | 0.69% | 1.17% | 107.4% |
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 |
|---|---|---|---|---|---|
| West Michigan Community BankBank Hudsonville, MI | 53 out of 100, Below average | $1.2B | 9.2% | 1.40% | vs |
| Northstar BankBank Bad Axe, MI | 59 out of 100, Moderate | $1.2B | 9.1% | 0.80% | vs |
| First State BankBank Eastpointe, MI | 63 out of 100, Moderate | $1.3B | 10.0% | 0.81% | vs |
| County National BankBank Hillsdale, MI | 41 out of 100, Below average | $1.4B | 9.3% | 2.62% | vs |
| United Bank of MichiganBank Grand Rapids, MI | 74 out of 100, Strong | $1.1B | 10.6% | 0.06% | vs |
| Superior National BankBank Hancock, MI | 73 out of 100, Strong | $1.0B | 11.7% | 0.65% | vs |
Deposit insurance
Is my money safe at University Bank?
Yes. University Bank is an FDIC-insured institution (FDIC certificate #14587). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 70.2% of deposits ($744.6M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.08%, 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%).
2 locations
Branches
University Bank lists 2 offices in 2 cities. Most locations:
- Ann Arbor, MI (1)
- Ypsilanti, MI (1)
HMDA 2025
Mortgage lending
In 2025, University Bank reported 2,987 home-loan applications under HMDA (LEI 549300IFOE4SCP384147): 2,426 originated ($850,800,000 total), 126 denied, and 419 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.9%, 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
- University Bank
- Former names
- The Newberry State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 14587
- RSSD ID
- 137652
- Primary regulator
- FDIC
- Holding company
- University Bcorp Inc
- Established
- May 8, 1908
- Headquarters
- 2015 Washtenaw Ave, Ann Arbor, MI 48104
- Website
- www.university-bank.com
- Employees
- 543
Quick answers
University Bank: common questions
Is University Bank FDIC insured?
Yes. University Bank is an FDIC-insured institution (FDIC certificate #14587). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is University Bank's TellerScore?
60 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has University Bank ever failed?
There is no failure record for FDIC certificate #14587 in the FDIC failed bank list.
How many branches does University Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Ann Arbor
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Tlc Community Credit UnionCredit union Adrian, MI | 90 out of 100, Very strong | $950.2M | 14.5% | 0.14% | vs |
| Zeal Credit UnionCredit union Livonia, MI | 83 out of 100, Strong | $1.1B | 19.8% | 1.50% | vs |
| Wayne-Westland Federal Credit UnionCredit union Westland, MI | 83 out of 100, Strong | $161.2M | 11.3% | 0.47% | vs |
| Bank of Ann ArborBank Ann Arbor, MI | 82 out of 100, Strong | $3.5B | 13.2% | 0.27% | vs |
| DFCU Financial Credit UnionCredit union Dearborn, MI | 82 out of 100, Strong | $8.0B | 12.6% | 0.63% | vs |
| Michigan Columbus Federal Credit UnionCredit union Livonia, MI | 82 out of 100, Strong | $75.0M | 16.6% | 1.01% | vs |