United Bank Of Michigan (FDIC #11807): Bank Stress & Real-Estate Credit Exposure
United Bank Of Michigan (FDIC Cert #11807): bank stress 63/100, elevated, STABLE over 7 days; parent UNITED BANK FINANCIAL CORP.
United Bank Of Michigan (#11807) lends in 4 counties across 1 state; United Bank Of Michigan (#11807) reaches 87 ZIP codes: Michigan 4 counties, 87 ZIPs.
United Bank Of Michigan (#11807) largest markets: Kent County, MI (234 branches, 39 ZIPs) (#11807), Allegan County, MI (100 branches, 25 ZIPs) (#11807), Ottawa County, MI (50 branches, 25 ZIPs) (#11807), Ionia County, MI (21 branches, 21 ZIPs) (#11807).
United Bank Of Michigan (#11807) reports $1.06 billion in total assets; United Bank Of Michigan (#11807) equity $110.6 million (10.4% of United Bank Of Michigan (#11807) assets); United Bank Of Michigan (#11807) domestic deposits $892.7 million; United Bank Of Michigan (#11807) net income $6.9 million; United Bank Of Michigan (#11807) return on assets 1.29%; United Bank Of Michigan (#11807) return on equity 12.78%; United Bank Of Michigan (#11807) net interest income $18.9 million; United Bank Of Michigan (#11807) call report June 30, 2026.
United Bank Of Michigan (#11807) noncurrent real-estate loans: none reported; United Bank Of Michigan (#11807) net charge-offs on real estate 0.04%.
United Bank Of Michigan (#11807) net interest margin 3.77% against an eight-quarter United Bank Of Michigan (#11807) average of 3.50% (United Bank Of Michigan (#11807) compression -0.27 points); United Bank Of Michigan (#11807) rate-exposure score 40/100, United Bank Of Michigan (#11807) fixed-rate trap 40/100; United Bank Of Michigan (#11807) risk type credit driven; United Bank Of Michigan (#11807) rate regime rates elevated, United Bank Of Michigan (#11807) snapshot October 19, 2026.
United Bank Of Michigan (#11807) stress score moved from 66.3 on June 22, 2026 to 63.4 on October 19, 2026; United Bank Of Michigan (#11807) ranged 63.4 to 66.3 over 116 snapshots.
United Bank Of Michigan (#11807) alerts: 4 counties; top United Bank Of Michigan (#11807) alert scores: Clarksville County, MI 23 (low); Jenison County, MI 23 (low); Rockford County, MI 23 (low); Wayland County, MI 23 (low).