University Bancorp, Inc. is a bank holding company headquartered in Ann Arbor, Michigan, serving clients through its subsidiary, University Bank. Established in the late 19th century, the firm has evolved from a local savings institution into a diversified financial services provider. Its business model centers on offering commercial and consumer banking solutions, alongside treasury management and wealth management services designed to meet the needs of individuals, small businesses, and middle‐market companies.
The company’s core offerings include commercial real estate lending, equipment financing, healthcare and professional practice loans, as well as working capital lines of credit. On the consumer side, University Bancorp provides personal checking and savings accounts, mortgage lending, home equity lines of credit, and a suite of digital banking tools. Through its treasury management services, it enables corporate clients to optimize cash flow, manage receivables and payables, and streamline payroll processes.
While its primary branch network is concentrated in southeast Michigan—spanning Ann Arbor, Detroit, Birmingham, and surrounding communities—the bank has expanded its reach through digital platforms and correspondent banking relationships. This hybrid model supports local decision-making and personalized service, while also accommodating businesses and individuals located beyond its traditional geographic footprint. The company’s strategic emphasis on specialized lending niches has helped it cultivate long-term relationships with professional practices, technology firms, and family‐owned enterprises.
Leadership at University Bancorp is anchored by President and Chief Executive Officer Barry J. Setser, who has guided the company’s growth and diversification efforts. The executive team and board of directors bring a blend of banking, legal, and industry-specific expertise, reinforcing the firm’s commitment to community engagement and responsible banking practices. Through active involvement in local economic development and philanthropy, University Bancorp maintains deep ties to the markets it serves, supporting both urban revitalization and suburban expansion.
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