UNITED BANK FINANCIAL CORP is the bank holding company. UNITED BANK OF MICHIGAN is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

FHD

UNITED BANK FINANCIAL CORP

Legal name: UNITED BANK FINANCIAL CORPORATION

1 active bank · $1.1B combined assets

RSSD ID: 1207392 (FFIEC NIC)

Combined Assets

$1.1B

CRA Rating Summary

Satisfactory1charter

Across all 12 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankUNITED BANK OF MICHIGANGRAND RAPIDS, MISatisfactory$1.1BView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$1.1B

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$934M

Net Income

$3M

ROA (avg)

1.15%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

471

Origination Rate

66.88%

Denial Rate

15.29%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
UNITED BANK OF MICHIGAN	GRAND RAPIDS, MI	FDIC	$1.1B	100.0%	Satisfactory	Aug 2025

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.