Community Unity Bank
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Data as of · sourced from FFIEC call reports. How we update
Community Unity Bank is an FDIC-insured commercial bank headquartered in Birmingham, MI, established in 2023 (FDIC certificate 59305), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $107.1M, up 44.1% from Q2 2025, the 65th largest of 72 banks headquartered in Michigan. Its CET1 capital ratio was 23.04% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 59305
- Headquarters
- Birmingham, MI
- Established
- 2023
- Total assets, Q2 2026
- $107.1M
- Assets vs Q2 2025
- +44.1%
- CET1 ratio, Q2 2026
- 23.04%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 072414514
- Asset rank in state
- 65th of 72 in Michigan
Community Unity Bank spends more to run itself than most banks of its size. It reported $107 million in assets at June 30, 2026, up 44.1% from a year earlier. It loses about $1.40 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 115 cents to bring in each dollar of revenue, about double the median of 61 cents for banks its size.
It lost $357,000 in the quarter. Funding is the softer spot: it pays an average of 3.50% on its deposits and borrowings, about double the median of 1.80% for banks its size.
As of June 30, 2026, Community Unity Bank reported a CET1 capital ratio of 23.04%, a return on assets of -1.40%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Community Unity Bank is the 65th largest of the 72 banks headquartered in Michigan. From Q1 2026 to Q2 2026, its total assets rose 12.5% to $107.1M, loans rose 30.8% and deposits rose 16.8%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 39.5% of total loans, ahead of 1-4 family residential loans at 19.5%. Its one office in the FDIC Summary of Deposits is in Birmingham, MI. Judged on its Q2 2026 call report, Community Unity Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 34040 Woodward Ave, Birmingham, MI 48009
- County
- Oakland
- Metro Area
- Detroit-Warren-Dearborn, MI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 26, 2023
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 14
- Domestic deposits
- $85.8M
- Allowance for credit losses
- $1.0M
- Net charge-offs (YTD)
- $0
- Average total assets
- $101.7M
- Average total loans
- $68.1M
- Average interest-bearing deposits
- $73.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 26, 2023
- FDIC Cert
- 59305
- Fed RSSD
- 5860740
- Website
- www.communityunity.bank →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Community Unity Bank's total assets moved between a low of $28.3M (Q3 2023) and a high of $107.1M (Q2 2026) from Q3 2023 to Q2 2026, and it posted no profit in any of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$107.1M total assets against $74.4M; $87.2M total liabilities against $53.1M.
$79.3M net loans and leases against $48.8M; $85.8M total deposits against $51.6M.
$11.1M securities against $14.3M; $14.2M cash and balances due against $8.9M.
$1.6M total interest income against $1.1M; $697K total interest expense against $449K.
$865K net interest income against $611K.
$17K total noninterest income against $12K; $1.0M total noninterest expense against $1.1M.
$226K provision for credit losses against $110K.
-$357K net income against -$540K.
-1.40% return on assets against -2.98%; 3.47% net interest margin against 3.52%.
23.04% CET1 capital ratio against 44.57%; 19.54% tier 1 leverage ratio against 29.14%.
Inside the full Community Unity Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Community Unity Bank rankings
Its closest position to the top of a national ranking is 216 of 2,134, for CET1 ratio; its furthest is 3,635 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -6.76% (Q3 2024) to -1.40% (Q2 2026) and its net interest margin ran from 2.56% (Q1 2026) to 3.93% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 23.04% | -1.40% | 0.00% | 0.00% | 3.47% |
| Q1 2026 | 29.17% | -2.01% | 0.00% | 0.00% | 2.56% |
| Q4 2025 | 36.86% | -1.89% | 0.00% | 0.00% | 3.12% |
| Q3 2025 | 39.73% | -4.96% | 0.00% | 0.00% | 3.52% |
| Q2 2025 | 44.57% | -2.98% | 0.00% | 0.00% | 3.52% |
| Q1 2025 | 48.35% | -2.71% | 0.00% | 0.00% | 3.58% |
| Q4 2024 | 57.77% | -4.68% | 0.00% | 0.00% | 3.72% |
| Q3 2024 | 88.25% | -6.76% | 0.00% | 0.00% | 3.93% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Community Unity Bank (main office) | Birmingham , MI | 48009 | $85.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MI, rank 86 of 95 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 3 loans, $3.6M approved, $1.2M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Community Unity Bank
What are Community Unity Bank's total assets?
As of the Q2 2026 filing, Community Unity Bank reported total assets of $107.1 million in its FFIEC call report.
Where is Community Unity Bank headquartered?
It is headquartered in Birmingham, MI, United States.
When was Community Unity Bank founded?
It was established in 2023, per the FDIC institution directory.
Is Community Unity Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #59305). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community Unity Bank?
Community Unity Bank's primary federal regulator is the FDIC.
What is Community Unity Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 23.04% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Community Unity Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Community Unity Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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