Unity Bank (Augusta, WI)
BankRegReports is independent of Unity Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Unity Bank is an FDIC-insured commercial bank headquartered in Augusta, WI, established in 1914 (FDIC certificate 8714), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $574.8M, down 7.9% from Q2 2025, the 56th largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 12.16% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8714
- Headquarters
- Augusta, WI
- Established
- 1914
- Total assets, Q2 2026
- $574.8M
- Assets vs Q2 2025
- -7.9%
- CET1 ratio, Q2 2026
- 12.16%
- Domestic offices
- 13 FDIC institution directory, current count
- Routing number
- 091808363
- Holding company
- KIMBERLY LEASING CORPORATION
- Asset rank in state
- 56th of 153 in Wisconsin
Problem loans are rising at Unity Bank. The Augusta, Wisconsin bank had $575 million in assets at June 30, 2026, down 7.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 8.00% of loans from 6.55% a year earlier. It earns about $0.01 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 95 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Its $156 million non-owner-occupied commercial real estate book is improving, with 1.61% past due or on nonaccrual, down from 2.53% a year earlier. Where it has less room is capital: it funds 8.78% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.99%).
As of June 30, 2026, Unity Bank reported a CET1 capital ratio of 12.16%, a return on assets of 0.01%, a nonperforming-loan ratio of 8.39% and a Texas ratio of 56.34%. The figures come from its call report filed with the FFIEC.
Unity Bank ranks as the 56th largest of the 153 banks based in Wisconsin, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.2% to $574.8M, loans fell 1.9% and deposits fell 1.4%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 35.7% of total loans, followed by farmland and other real estate loans at 22.3%. The FDIC Summary of Deposits lists 13 offices for it, in 13 cities across 3 states; its Augusta office books 18% of its branch deposits. By the capital ratios in its Q2 2026 call report, Unity Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 207 W Lincoln St, Augusta, WI 54722
- County
- Eau Claire
- Metro Area
- Eau Claire, WI
- 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 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 1, 1914
- Domestic offices
- 13 FDIC institution directory, current count
- Employees (FTE)
- 125
- Domestic deposits
- $509.6M
- Allowance for credit losses
- $14.2M
- Net charge-offs (YTD)
- $1.2M
- Average total assets
- $584.4M
- Average total loans
- $445.4M
- Average interest-bearing deposits
- $421.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 2, 1934
- FDIC Cert
- 8714
- Fed RSSD
- 443353
- Website
- www.unitybanking.com →
- Parent Holding Company
- KIMBERLY LEASING CORPORATION (RSSD 1122990)
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
Over the 12 quarters to Q2 2026, Unity Bank's total assets ran between $574.8M (Q2 2026) and $637.4M (Q4 2024), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$574.8M total assets against $624.1M; $522.8M total liabilities against $567.3M.
$422.6M net loans and leases against $473.3M; $509.6M total deposits against $545.8M.
$82.2M securities against $63.6M; $41.9M cash and balances due against $57.8M.
$7.8M total interest income against $9.0M; $2.5M total interest expense against $3.1M.
$5.4M net interest income against $6.0M.
$475K total noninterest income against $521K; $5.5M total noninterest expense against $4.9M.
$300K provision for credit losses against $4.1M.
$13K net income against -$2.5M.
0.01% return on assets against -1.60%; 3.80% net interest margin against 3.96%.
12.16% CET1 capital ratio against 11.79%; 8.78% tier 1 leverage ratio against 8.86%.
Inside the full 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.
Non-performing assets exceed half of the bank's capital plus reserves. Worth monitoring, not yet at the historical failure-risk threshold. BankRegReports early-warning band below the 100% heuristic.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
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.
Unity Bank rankings
Its closest position to the top of a national ranking is 8 of 3,640, for Texas Ratio; its furthest is 3,526 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -3.54% (Q4 2025) to 0.88% (Q4 2024) and its net interest margin ran from 3.59% (Q1 2025) to 3.96% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.16% | 0.01% | 8.39% | 56.34% | 3.80% |
| Q1 2026 | 11.90% | 0.04% | 8.02% | 54.80% | 3.78% |
| Q4 2025 | 11.39% | -3.54% | 7.35% | 52.32% | 3.71% |
| Q3 2025 | 12.23% | 0.45% | 7.46% | 53.75% | 3.87% |
| Q2 2025 | 11.79% | -1.60% | 6.55% | 48.26% | 3.96% |
| Q1 2025 | 12.35% | 0.42% | 4.97% | 37.58% | 3.59% |
| Q4 2024 | 12.81% | 0.88% | 4.13% | 30.66% | 3.96% |
| Q3 2024 | 12.16% | 0.78% | 3.99% | 30.92% | 3.82% |
Swipe the table sideways to see every column.
Branch Network
View all 13 branches → 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 |
|---|---|---|---|
| Unity Bank (main office) | Augusta , WI | 54722 | $91.5M |
| Rush City Branch | Rush City , MN | 55069 | $71.6M |
| Neillsville Branch | Neillsville , WI | 54456 | $52.0M |
| Red Lake Falls Branch | Red Lake Falls , MN | 56750 | $47.5M |
| Genola Office | Pierz , MN | 56364 | $41.6M |
| Crosby Office | Crosby , MN | 56441 | $40.4M |
| Mentor Branch | Mentor , MN | 56736 | $32.2M |
| Clarissa Branch | Clarissa , MN | 56440 | $28.3M |
| Branch Office Branch | Fall Creek , WI | 54742 | $26.7M |
| Polson Branch | Polson , MT | 59860 | $22.9M |
| Staples Office | Staples , MN | 56479 | $20.4M |
| Motley Branch | Motley , MN | 56466 | $18.5M |
| Edina Branch | Edina , MN | 55439 | $15.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 16, 2020 | Structure Change | Acquired First Citizens Bank of Polson, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 23, 2019 | Structure Change | Acquired Unity Bank North Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 22, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 1996 | Structure Change | Acquired Augusta Capital Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in WI, rank 133 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 24 applications, 21 loans originated, $5.0M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 5 loans, $256K approved, $51K 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, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Unity Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Unity Bank
What are Unity Bank's total assets?
As of the Q2 2026 filing, Unity Bank reported total assets of $574.8 million in its FFIEC call report.
Where is Unity Bank headquartered?
It is headquartered in Augusta, WI, United States.
When was Unity Bank founded?
It was established in 1914, per the FDIC institution directory.
Is Unity Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8714). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Unity Bank?
Unity Bank's primary federal regulator is the FDIC.
What is Unity Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.16% in its Q2 2026 call report, above regulatory requirements.
How many branches does Unity Bank operate?
It operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Unity Bank's Texas Ratio?
Its Texas Ratio is 56.34% in its Q2 2026 call report, elevated, credit issues exceed half of the bank's capital cushion (50 to 100%). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Unity Bank.
Get an email when Unity Bank files its next call report, and benchmark it against any peer you choose.
Unlock Unity Bank, freeFree account