Community Unity Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio climbed 10.03 percentage points in Q2 2026, from 83.58% to 93.61%. It was the largest change from Q1 2026 among the key lines here. Community Unity Bank has the 1st lowest return on assets of the 72 banks headquartered in Michigan, at -1.40% as of Q2 2026. Community Unity Bank's return on assets of -1.40% is well below the 1.26% median for banks in the $100M-1B asset tier, a gap of 2.66 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 23.04% |
| Tier 1 risk-based capital ratio | 23.04% |
| Total risk-based capital ratio | 24.23% |
| Tier 1 leverage ratio | 19.54% |
| Equity capital to assets | 18.59% |
| Tangible equity to tangible assets | 18.59% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.25% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -1.40% |
| Return on equity | -7.10% |
| Net interest margin | 3.47% |
| Efficiency ratio | 114.85% |
| Yield on earning assets | 6.27% |
| Cost of funds | 3.50% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.61% |
| Core deposits to total deposits | 63.70% |
| Brokered deposits to total deposits | 25.63% |
| Deposits to assets | 80.12% |
| Securities to assets | 10.33% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 408.72% | 408.72% | 408.72% | 90.36% | -8.02% |
| Q4 2023 | 264.29% | 264.29% | 265.08% | 82.35% | -8.26% |
| Q1 2024 | 162.71% | 162.71% | 163.84% | 69.56% | -5.87% |
| Q2 2024 | 96.45% | 96.45% | 97.70% | 51.94% | -5.84% |
| Q3 2024 | 88.25% | 88.25% | 89.50% | 45.48% | -6.76% |
| Q4 2024 | 57.77% | 57.77% | 59.02% | 38.44% | -4.68% |
| Q1 2025 | 48.35% | 48.35% | 49.52% | 32.99% | -2.71% |
| Q2 2025 | 44.57% | 44.57% | 45.82% | 29.14% | -2.98% |
| Q3 2025 | 39.73% | 39.73% | 40.98% | 26.03% | -4.96% |
| Q4 2025 | 36.86% | 36.86% | 38.11% | 24.17% | -1.89% |
| Q1 2026 | 29.17% | 29.17% | 30.32% | 21.46% | -2.01% |
| Q2 2026 | 23.04% | 23.04% | 24.23% | 19.54% | -1.40% |
Community Unity Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Unity Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Community Unity Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59305) · FFIEC NIC profile (RSSD 5860740)