UNITY BANK

AUGUSTA, WI | Medium | Est. Dec. 1, 1914, midnight | FDIC #8714 | RSSD #443353 | FDIC
Latest Report: 2025-12-31

UNITY BANK is amn medium FDIC-insured commercial bank headquartered in AUGUSTA, WI, established in Dec. 1, 1914, midnight. As of 2025-12-31, the bank reported total assets of $612M and total deposits of $538M. Profitability stands at -3.58% ROA and -39.64% ROE, with a net interest margin of 3.93%. The bank's CET1 capital ratio is 11.39%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 7.35% and a Texas Ratio of 51.59%. FDIC Certificate #8714.

Assets

$612M

Deposits

$538M

Loans

$471M

Equity

$52M

Profitability

Return on Assets (ROA) -3.58%
Return on Equity (ROE) -39.64%
Net Interest Margin (NIM) 3.93%
Yield on Assets 5.91%
Cost of Funds 2.02%

Asset Quality

NPL Ratio 7.35%
Net Charge-Off Ratio 0.36%
Texas Ratio 51.59%
NPA Ratio 5.66%
ACL / Loans 3.14%

Capital & Liquidity

CET1 Ratio 11.39%
Tier 1 Capital 11.39%
Total Capital Ratio 12.67%
Leverage Ratio 8.31%
Loan-to-Deposit 87.60%

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