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
Unfavorable gap of $3.9M · efficiency ratio beats 4% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer 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 Margin | 2.85% | 3.03% | 3.54% | 4.05% | Beats 18% | 515 / 629 | |
| Efficiency Ratio | 135.22% | 58.35% | 67.79% | 79.08% | Beats 4% | 605 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 23.04% | 11.24% | 13.84% | 18.77% | Beats 82% | 114 / 629 | |
| Total Risk-Based Capital Ratio | 24.23% | 11.58% | 14.43% | 19.66% | Beats 82% | 113 / 629 | |
| Equity / Assets | 18.59% | 9.09% | 10.65% | 13.80% | Beats 86% | 90 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 93.61% | 67.24% | 80.90% | 93.48% | 75th pctl | 146 / 594 | |
| Loans / Assets | 75.00% | 53.31% | 67.71% | 78.15% | 66th pctl | 215 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |