COMMUNITY UNITY BANK

BIRMINGHAM, MI | Micro | Est. June 26, 2023, midnight | FDIC #59305 | RSSD #5860740 | FDIC
Latest Report: 2025-12-31

COMMUNITY UNITY BANK is amn micro FDIC-insured commercial bank headquartered in BIRMINGHAM, MI, established in June 26, 2023, midnight. As of 2025-12-31, the bank reported total assets of $95M and total deposits of $73M. Profitability stands at -1.85% ROA and -7.83% ROE, with a net interest margin of 3.22%. The bank's CET1 capital ratio is 36.86%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #59305.

Assets

$95M

Deposits

$73M

Loans

$54M

Equity

$21M

Profitability

Return on Assets (ROA) -1.85%
Return on Equity (ROE) -7.83%
Net Interest Margin (NIM) 3.22%
Yield on Assets 6.19%
Cost of Funds 3.52%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.25%

Capital & Liquidity

CET1 Ratio 36.86%
Tier 1 Capital 36.86%
Total Capital Ratio 38.11%
Leverage Ratio 24.17%
Loan-to-Deposit 74.47%

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