Side-by-side · Q2 2026 data
University Bank vs Bank of Ann Arbor
Metric by metric
| Measure | University Bank | Bank of Ann Arbor |
|---|---|---|
| TellerScore | 60 | 82 (stronger) |
| Capital cushion | 51 | 82 (stronger) |
| Loan quality | 86 | 91 (stronger) |
| Earnings | 63 | 99 (stronger) |
| Funding & liquidity | 8 | 36 (stronger) |
| Problem-loan coverage | 93 | 96 (stronger) |
| Peer percentile | 21st | 93rd |
| Total assets | $1.2B | $3.5B |
| Deposits / shares | $1.1B | $2.8B |
| Capital ratio | 10.08% | 13.17% (stronger) |
| Problem loans | 0.41% | 0.27% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.07% |
| Return on assets | 1.08% | 1.98% (stronger) |
| Loans ÷ deposits | 102.7% | 92.6% (stronger) |
| Uninsured deposits | 70.2% | 44.0% (stronger) |
| Offices | 2 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.9% | 5.8% |
Bank of Ann Arbor has the higher TellerScore (82 vs 60). On the 7 directional measures above (where higher or lower is clearly better), University Bank leads on 1 and Bank of Ann Arbor on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.