# UNITED BANK OF MICHIGAN
GRAND RAPIDS, MI · FDIC certificate 11807 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.06B | |
| Deposits | $892.7M | |
| Loans and leases | $864.3M | |
| Total equity | $110.6M | |
| Loans / deposits | 95.79% (p77 of band) | 87.10% |
| Liquid assets / assets | 13.86% (p18 of band) | |
| Uninsured deposits / deposits | 20.70% (p19 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.75% (p45 of band) | |
| FHLB advances / assets | 4.71% | |
| Tier 1 leverage | 10.61% (p52 of band) | 10.50% |
| Unrealized securities loss / equity | -1.83% (p82 of band) | -7.75% |
| AOCI / equity | -0.64% (p29 of band) | |
| ROA (annualized) | 1.29% (p53 of band) | 1.26% |
| Net interest margin | 3.77% (p54 of band) | 3.70% |
| Efficiency ratio | 62.37% (p62 of band) | |
| Noncurrent loans | 0.06% (p11 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p11 of band) | |
| Reserve coverage of noncurrent | 1720.45% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 51.68% (p55 of band) | |
| Auto loans | $2.2M (0.25% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 3.4% | |
| Employees | 165 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2011-06 | 3 | reserve under noncurrent |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2012-03 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2012-06 | 2 |  | reserve under noncurrent |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 |  | loans exceed deposits |
| 2013-06 | 1 | loans exceed deposits | liquid assets <10% |
| 2013-09 | 2 | liquid assets <10% |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 |  | liquid assets <10% |
| 2014-06 | 2 | liquid assets <10% |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 | wholesale funding >15% | liquid assets <10% |
| 2015-03 | 3 | charge-offs p90 |  |
| 2015-06 | 2 |  | wholesale funding >15% |
| 2015-09 | 4 | wholesale funding >15%, liquid assets <10%, capital falling | charge-offs p90 |
| 2015-12 | 3 |  | capital falling |
| 2016-03 | 3 |  |  |
| 2016-06 | 4 | capital falling |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 3 |  | liquid assets <10% |
| 2017-06 | 2 |  | capital falling |
| 2017-09 | 3 | liquid assets <10% |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 2 |  | wholesale funding >15% |
| 2018-09 | 2 |  |  |
| 2018-12 | 3 | wholesale funding >15% |  |
| 2019-03 | 3 | capital falling | wholesale funding >15% |
| 2019-06 | 3 | wholesale funding >15% | liquid assets <10% |
| 2019-09 | 3 |  |  |
| 2019-12 | 1 |  | capital falling, wholesale funding >15% |
| 2020-03 | 1 |  |  |
| 2020-06 | 0 |  | loans exceed deposits |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-07-12 [Former United Bank senior VP sentenced to 41 months for embezzlement, tax evasion - WPBN](https://news.google.com/rss/articles/CBMioAJBVV95cUxQdy1rTXgzY1FSaTYtbGJmdy1mUlRWY0NoR0tPTm5MUllGV2ZMdEpsckt3Q2hIaGJzcE5SREhzejVWLVlrNDBfUUVuaDI2YTdRTl92TTlraWxPcXRCZVB6aWNTVUE3M2NSaFg5dDVzSkRhUVc3UHB2aEhNVGlla2VrOTQtc2p2b1YtNFVuekswNmRyUGt1eG5xcXdOS0RVbmtJR21DQmlDX3BDVmJwNG42MllnMnhLaVRzYjRnMnd6TlFBeC1rNTZ3dWJFdWgwY284YWFNR3BqdzVUSkdiVk9MNnJaVHBmVXdhYTR3WmVUc0ktUHVGb3pCRmNhYlhfaFI3d05YNFFtdlgzYnlDaGtyX1hWaEZqVUI3NzA1ZDk0eE8?oc=5) · WPBN
- 2023-07-12 [Former United Bank of Michigan senior vice president sentenced to 41 months in prison - FOX 17 West Michigan News](https://news.google.com/rss/articles/CBMi2gFBVV95cUxPcWFpWmNETXNneDczWjZ0Wkw1US00djFIOVN4N3hzVzNyNHJVNEl0a1ZaZDBUZlFXLUgxM2R3VjVHZ3dRR05jd1RCdHc2UDE4aUVWVnZESDVVMWozQXVTZlF1YkNHR0ZvVjlFMTVBV0dhX0s5R19teEs5Y2JqbzN6MGpuRXlCMmFxNmdCUmxuTGw2V1Q5NXRhaHViTmFfN2p0a21LQVJzSHBTYzhUejA0SlliXzFWZzBqTE4za25JVDJkWXA4Q0FVY0w5LU9XNVgySTdOX2s5RnRpQQ?oc=5) · FOX 17 West Michigan News
- 2021-06-18 [United Bank of Michigan announces headquarters, branch for Towers on River - The Holland Sentinel](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPMFc1UTdzdWJzb1praG5GNEk5aFJ4VlUwRExEcWY2NHNCZm1ZSklrN0M0LVhhTFJfWXVKM2lCaWhreWdLbGdFYjhIMDNSdEh6cmFKeFlvSlZSU2Rua0tiWHJGa0YyOHoweXIzVTVlbEhKUm15TUNZUkwybGM0RXUwUXVMakhZazVlTFlvOEFiNThPeWpOU0stYWxYN2RkSGhQVzg5Qko2aXBtdkxVUWxPRFZnNHl2VnI2?oc=5) · The Holland Sentinel
- 2025-04-08 [Best Banks and Credit Unions in Michigan 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMijwFBVV95cUxNemE4TFFGZFhsWDVlS2JUR2JKYzY1YzJseVY1a0hOU0ZPV3lEZFBYSExYYTdpS245ZURXUUJzVi02Y041ZDFfLUY4SWhIUUlvMl9FVGlRc04wQm5HbHRBWDREejBYQUs4MEs2WGFCci1UdWxXc3JESDAxX0M2cmNnLWxlVEcwdTdTRHd0OUdYaw?oc=5) · Newsweek Rankings
- 2024-10-08 [Alexandra Crow - Crain's Grand Rapids](https://news.google.com/rss/articles/CBMifkFVX3lxTE80cUR3Z0Q4TkNja2dlTDBxTWVWUll1Tm42bGF0NHFWQi1qYkdUUFdsT2dRUUIwNFE1anY4bUpBc2RzM3BtSlRIVWcxX1Y4OHY5Nl9kVzZBcFVJQXdFc3lUTm1WbS1RcjdaLTcyb05oOTRLMXJDWmxuQzVwRHVkdw?oc=5) · Crain's Grand Rapids
- 2025-10-07 [Regional Banks, CUs: 3 Proven Strategies to Drive Growth - Resourceful Finance Pro](https://news.google.com/rss/articles/CBMifEFVX3lxTFAxR0V1c1lIRy1GXzQtSGNTNk9EM3N6NjM2M3FzT0p2b2hTUDc2aEw2NVR2Z0lUaDBUYXRTckJsanRGWXdsenQ1SnU3SEw3bldSSWhEcmNqLWdMMVNIM3R1Sks5a2FoZy0xTkpoUkVOaVJISDFDd01PR3IzM3I?oc=5) · Resourceful Finance Pro
- 2022-10-05 [Melanie Haywood Obituary - Wayland, MI - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxNUjdJNlNSd3E0TzlFMC1ObTZkSTVPNWhkSUNCU3ZtUlM2TFBlZUFCTmlfMG1oMnotU1ZCcjloM1M5OXBBTi1fTW1pRHZ4VnV4UF93UU4zaVViWEMxZTZwYW53REh2MlNPLXdIbExnWEJUbm9WTG54ZnlxYzl6cXU5d09MaHE?oc=5) · Dignity Memorial
- 2024-10-22 [Michigan program aims to make homeownership more attainable for low-income buyers - WPBN](https://news.google.com/rss/articles/CBMitwFBVV95cUxPcDA5cEtQekoxTEVwZjFDQW54aEU1UDYzTHRrRjVaUmw5ci1pSHNpM1RYaXJFdUpheWlNVFNzMGpPOG9oSThZY0xrcFBjaUhfZU5INUFrYnBvTUQ4YnpEcWhhUVlNVVlCbFdBNjEzNEVORGpmbTZNUm84MXBSWjl0YTlvSnVwVUdydDV1ekF2cGJzOUlub3hvSzY1R3dUVUxjVkR6U2sxOXNWWjJSS1U4TUp2ekhqbTg?oc=5) · WPBN

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11807 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/31.json (key "11807", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide