# UNIVERSITY BANK
ANN ARBOR, MI · FDIC certificate 14587 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 8 (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 | $1.24B | |
| Deposits | $1.06B | |
| Loans and leases | $1.09B | |
| Total equity | $132.7M | |
| Loans / deposits | 102.73% (p90 of band) | 87.10% |
| Liquid assets / assets | 4.78% (p1 of band) | |
| Uninsured deposits / deposits | 70.16% (p98 of band) | 30.76% |
| Brokered deposits | 21.47% | |
| Wholesale funding | 22.52% (p91 of band) | |
| FHLB advances / assets | 1.05% | |
| Tier 1 leverage | 10.08% (p39 of band) | 10.50% |
| Unrealized securities loss / equity | -0.69% (p91 of band) | -7.75% |
| AOCI / equity | 0.00% (p77 of band) | |
| ROA (annualized) | 1.08% (p36 of band) | 1.26% |
| Net interest margin | 4.36% (p83 of band) | 3.70% |
| Efficiency ratio | 85.11% (p97 of band) | |
| Noncurrent loans | 0.41% (p41 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p12 of band) | |
| Reserve coverage of noncurrent | 102.74% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 18.94% (p16 of band) | |
| Auto loans | $16.7M (1.53% of loans; DQ 0.67%, NCO 0.00%) | |
| Loans to nondepository financials | $60.1M (45% of equity) (p96 of band) | |
| Deposits YoY | 20.8% | |
| Employees | 543 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **uninsured deposits >50%** (`liq_uninsured`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)
- **capital falling** (`cap_falling`)
- **run vulnerability** (`liq_runrisk`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 4 | capital falling, losing money |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 1 | charge-offs p90 | expense ratio p90, reserve under noncurrent, capital falling, losing money |
| 2012-06 | 2 | reserve under noncurrent |  |
| 2012-09 | 2 | loans exceed deposits | reserve under noncurrent |
| 2012-12 | 1 |  | loans exceed deposits |
| 2013-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90 |
| 2013-06 | 3 | liquid assets <10% | uninsured deposits leaving |
| 2013-09 | 2 |  | liquid assets <10% |
| 2013-12 | 3 | uninsured deposits leaving |  |
| 2014-03 | 2 | losing money, expense ratio p90 | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-06 | 0 |  | losing money, expense ratio p90 |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 2 | liquid assets <10%, expense ratio p90 | capital falling |
| 2015-03 | 2 |  |  |
| 2015-06 | 1 | capital falling | liquid assets <10%, expense ratio p90 |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 1 | uninsured deposits >50% |  |
| 2016-03 | 4 | capital falling, losing money, expense ratio p90 |  |
| 2016-06 | 3 | reserve under noncurrent | losing money, expense ratio p90 |
| 2016-09 | 2 |  | capital falling |
| 2016-12 | 1 |  | reserve under noncurrent |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | reserve under noncurrent |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | expense ratio p90 |  |
| 2018-09 | 4 | capital falling |  |
| 2018-12 | 3 |  | capital falling |
| 2019-03 | 3 | losing money | reserve under noncurrent |
| 2019-06 | 2 |  | losing money |
| 2019-09 | 3 | reserve under noncurrent |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 4 | losing money |  |
| 2020-06 | 2 |  | expense ratio p90, losing money |
| 2020-09 | 3 | noncurrent p90 |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | NIM <2.5% |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 5 | capital falling |  |
| 2021-12 | 9 | run vulnerability, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2022-03 | 7 | expense ratio p90 | NIM <2.5%, capital falling, run vulnerability |
| 2022-06 | 8 | run vulnerability |  |
| 2022-09 | 8 | loans exceed deposits, capital falling | assets shrinking, uninsured deposits leaving |
| 2022-12 | 6 | brokered >10%, wholesale funding >15% | uninsured deposits >50%, deposits shrinking, run vulnerability, capital falling |
| 2023-03 | 4 | liquid assets <10% | reserve under noncurrent, noncurrent p90, loans exceed deposits |
| 2023-06 | 5 | reserve under noncurrent |  |
| 2023-09 | 6 | capital falling |  |
| 2023-12 | 6 | loans exceed deposits | expense ratio p90 |
| 2024-03 | 6 |  |  |
| 2024-06 | 7 | uninsured deposits >50%, run vulnerability | capital falling |
| 2024-09 | 5 |  | uninsured deposits >50%, run vulnerability |
| 2024-12 | 4 |  | reserve under noncurrent |
| 2025-03 | 5 | expense ratio p90 |  |
| 2025-06 | 6 | capital falling |  |
| 2025-09 | 6 | reserve under noncurrent | capital falling |
| 2025-12 | 5 |  | reserve under noncurrent |
| 2026-03 | 8 | uninsured deposits >50%, capital falling, run vulnerability |  |
| 2026-06 | 8 |  |  |

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

- 2026-06-29 [Eastern Michigan Athletics, University Bank Announce Landmark Branding Agreement - emueagles.com](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNT1RFZ00xNDhySXExS25qaGUzeEd1bjZQNkZoU1JSN2ppSEdYeUV2QTY5OGxCLTJrNGE1Z2o3WnJWbnhlTjB1OWpxbE5Ta1Jtb3d6QlFzbG1YVE1iMlNVYUpWT1NyZWFoVUVtVGNXUUlwRkxXQnVKdDBTX3RXN2FENnVOYWhTcEduMXhXZVN6NWlxc19UcVlNakJxVVhLbjRSVC1YanpLMFdwRmNvSzJkVUptSmFoRW9IbXA5S2FFXzZickk?oc=5) · emueagles.com
- 2026-05-28 [University Bancorp Receives All Regulatory Approvals for Acquisition of Greater Pacific Bancshares & its Subsidiary Bank of Whittier, N.A. - ACCESS Newswire](https://news.google.com/rss/articles/CBMi5AFBVV95cUxQbXdIaHo0RjFkNkotYkRYbWRNSUZtY0QyM3hFQ3ZSLXZzal9hWUdPQlkzUUs4NVRVdEFwM3VscDR5YkhOZ2hUOXVqUE9NdmtpckU1RWdhcU5WcjZ0YU1sWk9kekhZUU1UQnQzWDBYQVZnVkZ3VDlRR01qMmx5a1ZpMDd0RVZ0dFd1U2Z3U1NDSUcyMkswQ0tlRGFGZENTRTVQVjk2UUZCbHVmbDJQZEl1TUh3QXBQRzJ3a3lfcWItSHZ1TDFyYUd6d3hXbHA0SVFzUHVScTYyU1J4eTlSNHVGckRzeks?oc=5) · ACCESS Newswire
- 2026-09-03 [University Bancorp 2Q2026 Net Income $2,350,713, $0.45 Per Share - Value The Markets](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNV2xfT2R5eDFuNGlBSUk2UXVJYTk4d1VpS2FUNmh4ODBXemtNenNfYUtJX2FHaDhBWHVsWkdqMUhjN2lwUGMxYUZqakt6MUhaLWNUSlB2R2p0VXNXOG51UDJINWlrZElVdTNucEJVWmNXR085YUt6dlJtT1ZsendNLXlNdFNOYTF6MXlyenI2RjJHeW96SkVvbnlldU9KZ2s0cm5XaTBLYmdHZw?oc=5) · Value The Markets
- 2026-03-05 [How to choose a bank aligned with your values: A comprehensive guide - Bankrate](https://news.google.com/rss/articles/CBMiiAFBVV95cUxONnBUT05xVWo3Qk90M0VrOTJvRkRUMGxOSFRHWVZmenJ3RE5teFE0UnZEUVhjTHVUVEJPbUFZLWZHQ19wQjlNX2x6dnd3aU9jWEtqNWNzQWpJQlJWc2tMVGJ0clBLY1NHSVhuSVFTMTZSYUMteWFqWS10b21IdmVfY1ZkQWFQMzho?oc=5) · Bankrate
- 2026-06-18 [Ypsilanti to honor Juneteenth with 3-day celebration - The Eastern Echo](https://news.google.com/rss/articles/CBMinAFBVV95cUxPeFM2QzdoNDlKbUJOVHI5N3JDY2s4MGpTSndVZ0pEOTl4NktqeEtzY0tURFBwSXo2Z2JWWkQzaTZTRWRvT0hEaUZkbHBRV19rd19WX3BWMTRCZDVScnc2MG9xaWE0ZjFyN1FlSHNVVUIwbU0yNURacUVqWTVMMXNkTTZyeHNWeVRRSDY2WUxleEpZMnlaYUdvNTlNblE?oc=5) · The Eastern Echo
- 2026-06-20 [Ypsilanti’s Juneteenth kickoff dedicated to late community leader - MLive.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxQQzdFSERyaHV3UmFzMEo1RzJ4d2ZrMU5NNmg3VGUzdmRrUDBQNzN4OFZ5RFZ3ZTBENEt6bFNPMlMwYjFYSnBKQ3hEWkRobDFUd0d3TjNWUXJYbTBha2FMQmlzdGlDM0FOdXVRRXU5cWc5NndtRGdMYlMyeGJpTWhvM3JUdjNQOGgzRTIyUlpVc21RU2RtV3hXV2dkT3hTcnNiWXR0R3lVVGtRUTVEYWRwSDhQdWg?oc=5) · MLive.com
- 2024-01-03 [University Bank’s reverse division promotes Dujanovich, hires Ziegler - HousingWire](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOVTBMWDFmQ0pidU5pM3BUVmcxb3FxNWZEcGhOWUYxZUpXS1pqMEQ4NWY1cjdwWlphbTA5Z1Q4WGZvTllVbnEyMlJHZVd1akh1WGt6OVpEUHFtRl9zU2x5LXhyd016elVhd2oxbnkyelV3N3BabDhhb1VNeEprR3RRNDQtbUFfbHZJaWVPSTR1eE9xMFEwZXFicnhEQ3h4MW02RXpQek9XUmM?oc=5) · HousingWire
- 2020-01-21 [Midwest Loan Services Signs Long-Term Agreement With Black Knight for MSP Servicing System and Multiple Other Technology Solutions - PR Newswire](https://news.google.com/rss/articles/CBMilAJBVV95cUxOTUxWWUQ0UmZKYWxEVjNkd3JTUHR3YVg0aU5OOW1GbGtpMGdKMTlDam5ITENmaUtIeHdpcFB6S09rWWtiQXI0UW9nMEdYQjlMd1AxX3pfR2pkUDI3ejVYTkVIYW9qTUUzZTBrRU1jQlJyNU94bTBCcjUtY3ZLdUF0TXFyRWRRbTRtT1JBRzdWOU13a1llTWFYaWh3VE03Qm1RYzhyT2RoVmp0cFJsaDZSSzFxWE1RbFlreUZ1VTd4cGt5eFZkUFRfMGQzRW55ZHNHWlU0TU9XSkJZRGxoUGFMcUtkd01MMUUxLWFVbDJ2dnJGdWVVeGRVNUFrZFRnaEVVWUt5UE92TzVWRW5yYmVvNnRqR1A?oc=5) · PR Newswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14587 (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/59.json (key "14587", 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