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Community Unity Bank
Birmingham, MI · FDIC Certificate #59305 · Chartered 06/2
Total assets
$107.14M
Total deposits
$85.83M
Total equity
$19.92M
Net loans
$79.34M
Branches (offices)
1
Net income (YTD)
-$832.00K
Rank: #3,631 of 4,213 U.S. banks by assets · #65 of 72 in Michigan. Assets changed 44.1% and deposits 66.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -1.68% |
| Return on equity | -8.17% |
| Net interest margin (YTD) | 3.02% |
| Equity to assets | 18.59% |
| Tier 1 leverage ratio | 19.54% |
| Uninsured deposits (share of deposits) | 41.6% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 92.4% |
| Real estate loans (share of loans) | 84.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $67.28M | 84.8% | |
| Commercial & industrial | $13.29M | 16.7% | |
| Consumer / individual | $31.00K | 0.0% | |
| Construction & development | $2.30M | 2.9% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2023 | $27.17M | $3.00K | -$771.00K | $25.67M |
| Jun 2024 | $48.60M | $23.77M | -$1.16M | $23.37M |
| Jun 2025 | $74.37M | $51.61M | -$985.00K | $21.23M |
| Jun 2026 | $107.14M | $85.83M | -$832.00K | $19.92M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Michigan | $85.83M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $85.83M.
Similar-sized banks
Produce State Bank ($107.20M) · Prairie Sun Bank ($107.00M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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