University Bancorp, Inc. (UNIB) serves as a holding company for its wholly owned subsidiary, University Bank (The Bank). The Bank is a community bank that offers deposit products, residential and commercial real estate mortgage lending, and business loans. The Bank serves the cities of Ann Arbor and Ypsilanti of Washtenaw County, Michigan in the United States. The Bank offers all banking services, including acceptance of checking, savings and time deposits. The Bank also offers commercial, real estate, personal, home improvement, automotive and other installment, credit card and consumer loans. It provides fee based services such as annuity and mutual fund sales, life insurance, property casualty insurance and foreign currency exchange. In addition, the Bank offers cash management services, online bill payment, automated teller machines (ATM) and Internet banking. The Company also offers Islamic finance products and services.