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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

5.84%Q2 ’245.85%Q2 ’256.14%Q2 ’26-13%+1%

Non-interest income vs. expense

7.80%Q2 ’245.82%Q2 ’253.98%Q2 ’26-26%-32%

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 -1.41%, up 164 bps year over year; NIM at 3.40%.
  • 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 (quarter, annualized)

-1.41%+164 bps YoY

Net Interest Margin (quarter, annualized)

3.40%+3 bps YoY

Efficiency Ratio (quarter, annualized)

114.85%-5,417 bps YoY

Tier 1 Leverage Ratio

19.54%-960 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-3.05%-5.05%-1.85%-2.00%-1.41%+164 bps
Return on Equity-10.05%-18.64%-7.83%-9.23%-7.10%+296 bps
Net Interest Margin3.37%3.42%3.03%2.49%3.40%+3 bps
Efficiency Ratio169.02%234%151.33%165.01%114.85%-5,417 bps
Non-Interest Burden5.75%8.25%4.65%4.15%3.92%-183 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