PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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