| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +5.5% | -3.2 pts |
| Deposit growth (YoY) | +3.4% | +5.1% | -1.7 pts |
| Loan growth (YoY) | +5.5% | +5.9% | -0.4 pts |
| ROA | 1.29% | 1.26% | +0.0 pts |
| ROE | 12.8% | 12.2% | +0.6 pts |
ROA ranks in the 53rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.06B | $892.7M | $855.1M | $110.6M | $6.9M | 1.29% | 3.77% | 0.05% |
| Q1 2026 | $1.09B | $934.4M | $834.2M | $108.2M | $3.1M | 1.15% | 3.61% | 0.05% |
| Q4 2025 | $1.08B | $903.2M | $836.9M | $106.3M | $11.8M | 1.13% | 3.61% | 0.09% |
| Q3 2025 | $1.07B | $885.4M | $844.0M | $103.9M | $8.6M | 1.10% | 3.54% | 0.12% |
| Q2 2025 | $1.04B | $863.7M | $810.1M | $100.9M | $5.3M | 1.02% | 3.49% | 0.04% |
| Q1 2025 | $1.06B | $896.8M | $811.1M | $98.9M | $2.5M | 0.99% | 3.40% | 0.10% |
| Q4 2024 | $994.7M | $821.7M | $803.9M | $96.7M | $8.3M | 0.84% | 3.30% | 0.22% |
| Q3 2024 | $994.6M | $823.9M | $804.4M | $95.9M | $6.1M | 0.83% | 3.27% | 0.02% |
Loan mix (Q2 2026): real estate $841.1M · commercial $18.2M · consumer $3.4M · securities $79.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | United Bank of Michigan | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 1.26% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 12.8% | 12.2% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
54th |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.4% | 59.0% | 61th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | United Bank of Michigan | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | United Bank of Michigan | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | United Bank of Michigan | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | United Bank of Michigan | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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