Community Unity Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Community Unity Bank of Birmingham, MI against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -1.40% | 1.25% | -2.65% | 1st bottom |
| ROAE | -7.10% | 12.22% | -19.32% | 2nd bottom |
| Net Interest Margin | 3.47% | 3.95% | -0.48% | 25th below |
| Efficiency Ratio | 114.85% | 63.71% | +51.14% | 1st bottom |
| PPNR / Avg Assets | -0.52% | — | — | 1st bottom |
| Yield on Earning Assets | 6.27% | 5.67% | +0.60% | 79th top |
| Cost of Funds | 3.50% | 1.87% | +1.63% | 1st bottom |
| Net Interest Spread | 2.49% | — | — | 12th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.88% | -0.88% | 94th top |
| NPA / Total Assets | 0.00% | — | — | 94th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.25% | — | — | 56th above |
| Texas Ratio | 0.00% | 5.96% | -5.96% | 94th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 23.04% | 17.18% | +5.86% | 85th top |
| Tier 1 Ratio | 23.04% | 17.21% | +5.83% | 85th top |
| Total Capital Ratio | 24.23% | — | — | 85th top |
| Leverage Ratio | 19.54% | 11.75% | +7.79% | 95th top |
| Equity / Assets | 18.59% | 10.98% | +7.61% | 95th top |
| TCE / Tangible Assets | 18.59% | — | — | 95th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.61% | 80.44% | +13.17% | 21st bottom |
| Core Deposit Ratio | 63.70% | 86.95% | -23.25% | 3rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 44.05% | — | — | 99th top |
| Loan Growth (Y/Y) | 62.69% | — | — | 99th top |
| Deposit Growth (Y/Y) | 66.33% | — | — | 99th top |
See Community Unity Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Community Unity Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Community Unity Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Community Unity Bank peer analysis.