University Bancorp, Inc.
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- University Bancorp, Inc. (UNIB) operates as a financial holding company for University Bank and its subsidiaries, providing niche banking, lending, mortgage servicing, and insurance services primarily in the United States. University Bank offers community banking products including deposit accounts, residential mortgages, commercial real estate loans, and consumer and business loans through its Ann Arbor operations serving local businesses, minorities, and non-profits; faith-based financing without interest through UIF Corporation targeting Muslim, Hindu, Jewish, and Christian customers; nationwide retail residential mortgages including Federal Housing Administration and Veterans Administration loans via University Lending Group; mortgage subservicing for over $36 billion in loans to credit unions, community banks, and mortgage bankers through Midwest Loan Services; mortgage warehouse lending to independent mortgage banks; and insurance brokerage representing 54 carriers across 25 states via Ann Arbor Insurance Centre. University Bancorp also owns Crescent Assurance, PCC, a captive insurer in Washington, DC, and Hyrex Servicing, a master mortgage servicer in Ann Arbor, Michigan. Founded in 1890 and headquartered at 2015 Washtenaw Avenue in Ann Arbor, Michigan, the company conducts operations locally in Michigan and nationally through digital and specialized channels. In November 2025, University Bancorp closed a $25 million equity investment from Castle Creek Capital Partners IX, LP, in Series 6 convertible perpetual noncumulative preferred stock to fund four pending acquisitions expanding core banking, insurance, and wealth management businesses, alongside securing a $12.5 million line of credit secured by its University Bank ownership. Earlier in 2024, the company announced a strategic partnership with Voxtur Analytics Corp. to acquire a 50.5% stake in Blue Water Financial Technologies through Hyrex Servicing Holding Company for $5.5 million, enhancing mortgage servicing capabilities. Additional recent moves include acquiring common shares in Currency Exchange International in June 2025 and opening a new full-service banking center in Ypsilanti, Michigan.
University Bancorp Receives All Regulatory Approvals for Acquisition of Greater Pacific Bancshares & its Subsidiary Bank of Whittier, N.A.
University Bank Named a 2026 USA TODAY Top Workplace
University Bancorp 2025 Net Income $9,022,486, $1.70 Per Share
Critical Comparison: Farmers & Merchants Bancorp (NASDAQ:FMAO) & University Bancorp (OTCMKTS:UNIB)
University Bancorp Signs Definitive Agreements to Buy Greater Pacific Bancshares and its Wholly Owned Subsidiary Bank of Whittier, NA, and American Finance House LARIBA, Pioneers in the U.S. Faith-Based Financial Services Industry
University Bancorp Closes $25 Million Equity Investment & Secures a $12.5 Million Line of Credit Financing
University Bancorp 3Q2025 Net Income $4,371,716 $0.85 Per Share
University Bancorp, Inc. Acquires Common Shares of Currency Exchange International, Corp.
University Bank Team wins Major International, National and Michigan Awards
University Bancorp 2024 Net Income $10,467,383, $2.02 Per Share
University Bancorp, Inc. Acquires Common Shares of Currency Exchange International, Corp.
University Bancorp, Inc. Issues $15 Mm of Senior Unsecured Notes
University Bancorp 2Q2024 Net Income $3,039,641 $0.59 Per Share
University Bancorp Acquires Hyrex Servicing, LLC for $5.5 Million
University Bancorp 2023 Net Income $5,426,558, $1.07 Per Share
CORRECTION BY SOURCE: University Bancorp 2Q2023 Net Income $1,557,298, $0.32 Per Share
University Bancorp 2Q2022 Net Income $1,557,298, $0.32 Per Share
University Bancorp 1Q2021 Net Income $7,703,863, $1.62 Per Share
University Bancorp 2020 Net Income $28,002,817, $5.39 Per Share; #1 Publicly Traded Bank in U.S. With ROAE of 65.4%