Community Unity Bank: how it compares with its peers
Against 18 MI banks with half to twice its assets, Community Unity Bank's strongest measure in Q2 2026 is assets per employee ($7.7M vs. a $4.7M peer median). Its weakest relative measure is return on assets (-1.68% vs. 0.99%).
| Measure | Community Unity Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -1.68% | 0.99% | Bottom third Ahead of 0% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.02% | 4.28% | Bottom third Ahead of 0% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 135.22% | 70.24% | Bottom third Ahead of 0% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.7M | $4.7M | Top third Ahead of 100% of peers |
| Loans to deposits Net loans and leases over total deposits. | 92.44% | 74.32% | Context |
What it means for lending operations
Its efficiency ratio of 135.22% is above the 70.24% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Blissfield State Bank Blissfield, MI · $115M
- Kalamazoo County State Bank Schoolcraft, MI · $118M
- Huron State Bank Rogers City, MI · $95M
- Mayville State Bank Mayville, MI · $95M
- G. W. Jones Exchange Bank Marcellus, MI · $123M
- First State Bank of Michigan Decatur, MI · $88M
Questions about Community Unity Bank
How big is Community Unity Bank?
Community Unity Bank, established in 2023, is headquartered in Birmingham, MI. It reported $107M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Community Unity Bank's return on assets?
-1.68% annualized in Q2 2026, against a 0.99% median for 18 MI banks with half to twice its assets, ahead of 0% of them.
What is Community Unity Bank's efficiency ratio?
135.22% in Q2 2026: it spent about 135 cents in noninterest expense for each dollar of revenue. The peer median is 70.24%, and lower is better.
Is Community Unity Bank growing its loans?
Net loans grew 62.7% over the year to Q2 2026, while deposits grew 66.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MI banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Michigan bank ranked.