🏦Bank Scorer

This institution is no longer active

Operations ceased on August 1, 2014. CRA examination history below reflects the period it was active.

UNITED BANK & TRUST

ANN ARBOR, MI · Supervised by FDIC

Est. 1893FDIC #13,177RSSD: FDIC-13177
Part ofUNITED BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: January 2012

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.30%

Institution Profile

FDIC BankFind

Address

2723 South State Street, ANN ARBOR, MI

County

Washtenaw County

Established

January 1, 1893

Total Assets

$881M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 1, 2012

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 14 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q2 2014Call Report / FDIC

Total Assets

$881M

Total Deposits

$773M

Net Loans

$647M

Net Income

$6M

ROA

1.30%

ROE

13.18%

Risk-Based Capital

14.55%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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