Bank Comparison
First State Bank of Michigan vs Community Unity Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 10
winning metrics across 19 comparable rows
Capital adequacy
| Metric | First State Bank of Michigan | Community Unity Bank |
|---|---|---|
| CET1 Ratio | — | 29.17% |
| Tier 1 Capital Ratio | — | 29.17% |
| Total Capital Ratio | — | 30.32% |
| Tier 1 Leverage Ratio | 14.74% | 21.46% |
| Equity / Assets | 18.20% | 21.35% |
Profitability
| Metric | First State Bank of Michigan | Community Unity Bank |
|---|---|---|
| Return on Assets (ROA) | -1.35% | -2.01% |
| Return on Equity (ROE) | -7.23% | -9.23% |
| Net Interest Margin (NIM) | 3.59% | 2.56% |
| Yield on Earning Assets | 5.61% | 5.35% |
| Cost of Funds | 2.35% | 3.49% |
Asset quality
| Metric | First State Bank of Michigan | Community Unity Bank |
|---|---|---|
| Texas Ratio | 4.61% | 0.00% |
| Non-Performing Loan Ratio | 1.09% | 0.00% |
| Non-Performing Asset Ratio | 0.67% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.19% | 1.25% |
Balance sheet
| Metric | First State Bank of Michigan | Community Unity Bank |
|---|---|---|
| Total Assets | $83,176K | $95,218K |
| Total Deposits | $66,791K | $73,512K |
| Total Loans | $51,264K | $61,439K |
| Total Equity | $15,142K | $20,331K |
| Net Income (quarter) | $-277 | $-475 |
Liquidity & funding
| Metric | First State Bank of Michigan | Community Unity Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 76.75% | 83.58% |
| Core Deposit Ratio | 95.39% | 81.71% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First State Bank of Michigan | Community Unity Bank |
|---|---|---|
| Headquarters City | DECATUR | BIRMINGHAM |
| Headquarters State | MI | MI |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 22 | 14 |
| Established | Jan. 1, 1870, midnight | June 26, 2023, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full First State Bank of Michigan profile | View full Community Unity Bank profile | Browse all bank comparisons