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.
Securities to assets climbed 3.13 percentage points in Q2 2026, from 11.18% to 14.31%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Unity Bank is 4th from the bottom among 153 Wisconsin banks, 0.01% (Q2 2026). Unity Bank's return on assets of 0.01% is well below the 1.26% median for banks in the $100M-1B asset tier, a gap of 1.25 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.16% |
| Tier 1 risk-based capital ratio | 12.16% |
| Total risk-based capital ratio | 13.44% |
| Tier 1 leverage ratio | 8.78% |
| Equity capital to assets | 9.04% |
| Tangible equity to tangible assets | 8.90% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 12.34% |
| Non-performing assets ratio | 9.70% |
| Net charge-off ratio | 0.25% |
| Texas ratio | 56.34% |
| Allowance for credit losses to loans | 3.25% |
| Reserve coverage of non-performing loans | 26.29% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.01% |
| Return on equity | 0.10% |
| Net interest margin | 3.80% |
| Efficiency ratio | 94.68% |
| Yield on earning assets | 5.55% |
| Cost of funds | 1.88% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.70% |
| Core deposits to total deposits | 92.83% |
| Brokered deposits to total deposits | 2.07% |
| Deposits to assets | 88.66% |
| Securities to assets | 14.31% |
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 | 11.53% | 11.53% | 12.78% | 9.44% | 0.49% |
| Q4 2023 | 11.55% | 11.55% | 12.80% | 9.52% | 0.78% |
| Q1 2024 | 11.32% | 11.32% | 12.57% | 9.44% | 0.75% |
| Q2 2024 | 11.72% | 11.72% | 12.97% | 9.54% | 1.48% |
| Q3 2024 | 12.16% | 12.16% | 13.33% | 9.64% | 0.78% |
| Q4 2024 | 12.81% | 12.81% | 14.00% | 9.62% | 0.88% |
| Q1 2025 | 12.35% | 12.35% | 13.60% | 9.08% | 0.42% |
| Q2 2025 | 11.79% | 11.79% | 13.05% | 8.86% | -1.60% |
| Q3 2025 | 12.23% | 12.23% | 13.49% | 9.17% | 0.45% |
| Q4 2025 | 11.39% | 11.39% | 12.67% | 8.31% | -3.54% |
| Q1 2026 | 11.90% | 11.90% | 13.18% | 8.49% | 0.04% |
| Q2 2026 | 12.16% | 12.16% | 13.44% | 8.78% | 0.01% |
Unity Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock 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 Unity Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8714) · FFIEC NIC profile (RSSD 443353)