PackageTrendsPeer
Letter portraitLegal landscape

Community Unity Bank

Birmingham, MI · Cert 59305

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

83

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

9

Q2 2024Q2 2026peer median (50)

Liquidity

43

Q2 2024Q2 2026peer median

Efficiency

4

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Community Unity Bank

Birmingham, MI · Cert 59305

State charter, non-member · FDIC · 1 branch

Q2 2026

$107.1MAssets
$80.3MLoans
$85.8MDeposits
$19.9MEquity
Loan mix
84%RE $51.8M16%C&I $9.7M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
94%Interest-bearing $80.3M6%Noninterest $5.6MQ2 2025Q2 2026

NIM

4.97%Q2 ’245.59%Q2 ’255.48%Q2 ’26-10%-12%

Non-interest income vs. expense

7.44%Q2 ’245.67%Q2 ’253.95%Q2 ’26-24%-31%

Market Position · Detroit-Warren-Dearborn, MI · 2026 SOD (annual) · 0.0% share · #31 of 37 inst. · $0.1B of $183.9B

Executive Summary

  • Earnings: ROA of -1.68%, up 119 bps year over year; NIM at 2.85%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 19.54%, down 960 bps from a year ago.
  • Funding: loans stand at 93.61% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-1.68%+119 bps YoY

Net Interest Margin (YTD, annualized)

2.85%-40 bps YoY

Efficiency Ratio (YTD, annualized)

135.22%-3,544 bps YoY

Tier 1 Leverage Ratio

19.54%-960 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-2.87%-3.66%-3.11%-2.00%-1.68%+119 bps
Return on Equity-9.09%-12.20%-11.10%-9.23%-8.17%+92 bps
Net Interest Margin3.25%3.13%2.91%2.49%2.85%-40 bps
Efficiency Ratio170.66%194.15%182.97%165.01%135.22%-3,544 bps
Non-Interest Burden5.59%6.18%5.42%4.15%3.88%-171 bps
Growth
Asset Growth (YoY)53.03%54.86%47.81%41.96%44.05%-898 bps
Loan Growth (YoY)100.67%74.00%37.41%51.09%62.69%-3,798 bps
Deposit Growth (YoY)117.09%112.92%78.79%67.69%66.33%-5,076 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.25%1.25%1.25%1.25%1.25%0 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio29.14%26.03%24.17%21.46%19.54%-960 bps
Total Risk-Based Capital45.82%40.98%38.11%30.32%24.23%-2,159 bps
Equity / Assets28.54%25.75%21.95%21.35%18.59%-996 bps
Liquidity & Funding
Loans / Deposits95.70%88.74%74.47%83.58%93.61%-209 bps
Liquid Assets / Assets3.66%4.11%2.69%2.13%1.82%-185 bps
CRE / Total Capitaln/a123.93%126.55%178.39%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Community Unity Bank

Birmingham, MI · Cert 59305 · Peer group: banks under $1B in assets (n=581-629)

State charter, non-member · FDIC · 1 branch

Q2 2026

$107.1MAssets
$80.3MLoans
$85.8MDeposits
$19.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
  • Widest gap: efficiency ratio trails 96% of banks under $1B in assets (rank 605 of 629).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

-1.55%

Rank 606 of 629

Net Interest Margin

2.85%

Rank 515 of 629

Efficiency Ratio

135.22%

Rank 605 of 629

Equity / Assets

18.59%

Rank 90 of 629

Non-interest income vs. expense

$0.1M$4.0MINCOMEEXPENSE
Unfavorable gap of $3.9M · efficiency ratio beats 4% of banks under $1B in assets
Bank 135.22%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-1.55%0.60%1.01%1.45%Beats 4%606 / 629
Return on Equity-8.36%5.38%9.30%13.28%Beats 4%606 / 629
Net Interest Margin2.85%3.03%3.54%4.05%Beats 18%515 / 629
Efficiency Ratio135.22%58.35%67.79%79.08%Beats 4%605 / 629
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.46%1.20%Beats 100%81 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio23.04%11.24%13.84%18.77%Beats 82%114 / 629
Total Risk-Based Capital Ratio24.23%11.58%14.43%19.66%Beats 82%113 / 629
Equity / Assets18.59%9.09%10.65%13.80%Beats 86%90 / 629
Liquidity & Funding
Loans / Deposits93.61%67.24%80.90%93.48%75th pctl146 / 594
Loans / Assets75.00%53.31%67.71%78.15%66th pctl215 / 629
Brokered Deposits / Depositsn/aNot reported for this institution