University Bank: how it compares with its peers
Against 17 MI banks with half to twice its assets, University Bank's strongest measure in Q2 2026 is net interest margin (4.36% vs. a 3.86% peer median). Its weakest relative measure is efficiency ratio (85.11% vs. 64.17%).
| Measure | University Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.08% | 1.17% | Middle third Ahead of 41% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.36% | 3.86% | Top third Ahead of 76% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 85.11% | 64.17% | Bottom third Ahead of 0% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $2.3M | $6.3M | Bottom third Ahead of 0% of peers |
| Loans to deposits Net loans and leases over total deposits. | 102.73% | 90.70% | Context |
What it means for lending operations
Its efficiency ratio of 85.11% is above the 64.17% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- West Michigan Community Bank Hudsonville, MI · $1.21B
- Northstar Bank Bad Axe, MI · $1.16B
- First State Bank Eastpointe, MI · $1.35B
- County National Bank Hillsdale, MI · $1.36B
- United Bank of Michigan Grand Rapids, MI · $1.06B
- Superior National Bank Hancock, MI · $1.04B
Questions about University Bank
How big is University Bank?
University Bank, established in 1908, is headquartered in Ann Arbor, MI. It reported $1.24B in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is University Bank's return on assets?
1.08% annualized in Q2 2026, against a 1.17% median for 17 MI banks with half to twice its assets, ahead of 41% of them.
What is University Bank's efficiency ratio?
85.11% in Q2 2026: it spent about 85 cents in noninterest expense for each dollar of revenue. The peer median is 64.17%, and lower is better.
Is University Bank growing its loans?
Net loans grew 11.2% over the year to Q2 2026, while deposits grew 20.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MI banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Michigan bank ranked.