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Unity Bank
Augusta, WI · FDIC Certificate #8714 · Chartered 12/0
Total assets
$574.75M
Total deposits
$509.58M
Total equity
$51.97M
Net loans
$422.56M
Branches (offices)
13
Net income (YTD)
$80.00K
Rank: #1,607 of 4,213 U.S. banks by assets · #56 of 153 in Wisconsin. Assets changed -7.9% and deposits -6.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.03% |
| Return on equity | 0.31% |
| Net interest margin (YTD) | 3.91% |
| Equity to assets | 9.04% |
| Tier 1 leverage ratio | 8.78% |
| Uninsured deposits (share of deposits) | 11.6% |
| Noncurrent loans (share of loans) | 8.39% |
| Net charge-offs (share of loans) | 0.54% |
| Loans to deposits | 82.9% |
| Real estate loans (share of loans) | 84.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $357.97M | 84.7% | |
| Commercial & industrial | $32.04M | 7.6% | |
| Consumer / individual | $4.90M | 1.2% | |
| Construction & development | $8.38M | 2.0% | |
| Agricultural | $38.89M | 9.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $592.16M | $539.88M | $2.76M | $50.07M |
| Jun 2023 | $604.33M | $518.79M | $3.74M | $56.51M |
| Jun 2024 | $625.56M | $530.45M | $3.47M | $59.64M |
| Jun 2025 | $624.06M | $545.81M | -$1.85M | $56.81M |
| Jun 2026 | $574.75M | $509.58M | $80.00K | $51.97M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $316.48M | 9 |
| Wisconsin | $170.18M | 3 |
| Montana | $22.93M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $509.58M.
Similar-sized banks
First Federal Savings Bank ($575.61M) · Gibsland Bank & Trust Company ($574.32M)
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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