BanksCOMMUNITY UNITY BANK

COMMUNITY UNITY BANK

BIRMINGHAM, MIMicroEst. June 26, 2023, midnightFDIC #59305RSSD #5860740FDIC
Latest · 2025-12-31

COMMUNITY UNITY BANK is an 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%. CET1 capital ratio: 36.86%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 1 domestic branch.

Assets
$95M
Deposits
$73M
Loans
$54M
Equity
$21M

Profitability

Return on Assets (ROA)-1.85%
Return on Equity (ROE)-7.83%
Net Interest Margin3.22%
Yield on Assets6.19%
Cost of Funds3.66%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.00%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans1.25%

Capital & Liquidity

CET1 Ratio36.86%
Tier 1 Capital36.86%
Total Capital Ratio38.11%
Leverage Ratio24.17%
Loan-to-Deposit74.47%

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