Unity Bank
Augusta, WI · Cert 8714 · Peer group: banks under $1B in assets in WI (n=110-113) · Kimberly Leasing Corp.
State charter, non-member · FDIC · 13 branches
Q2 2026
$574.8MAssets
$436.7MLoans
$509.6MDeposits
$52.0MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 58% of banks under $1B in assets in WI (rank 47 of 113).
- Widest gap: nonperforming loans / loans trails 97% of banks under $1B in assets in WI (rank 108 of 110).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.03%
Rank 110 of 113
Net Interest Margin
3.73%
Rank 47 of 113
Efficiency Ratio
94.18%
Rank 108 of 113
Equity / Assets
9.04%
Rank 87 of 113
Non-interest income vs. expense
Unfavorable gap of $20.4M · efficiency ratio beats 5% of banks under $1B in assets in WI | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.03% | 0.85% | 1.17% | 1.51% | Beats 3% | 110 / 113 | | |
| Return on Equity | 0.31% | 7.70% | 10.77% | 13.67% | Beats 3% | 110 / 113 | | |
| Net Interest Margin | 3.73% | 3.19% | 3.59% | 3.89% | Beats 58% | 47 / 113 | | |
| Efficiency Ratio | 94.18% | 54.61% | 62.43% | 71.88% | Beats 5% | 108 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 8.39% | 0.03% | 0.24% | 0.91% | Beats 3% | 108 / 110 | | |
| Net Charge-Offs / Loans | 0.34% | n/a | 0.00% | 0.01% | Beats 4% | 107 / 110 | | |
| Capital |
| Tier 1 Capital Ratio | 12.16% | 11.22% | 12.95% | 15.76% | Beats 36% | 72 / 113 | | |
| Total Risk-Based Capital Ratio | 13.44% | 11.57% | 13.59% | 16.73% | Beats 48% | 59 / 113 | | |
| Equity / Assets | 9.04% | 9.17% | 10.74% | 13.13% | Beats 23% | 87 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 85.70% | 76.54% | 86.37% | 98.93% | 47th pctl | 59 / 112 | | |
| Loans / Assets | 75.99% | 63.07% | 71.33% | 78.84% | 63rd pctl | 42 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |