# COMMUNITY UNITY BANK
BIRMINGHAM, MI · FDIC certificate 59305 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $107.1M | |
| Deposits | $85.8M | |
| Loans and leases | $80.3M | |
| Total equity | $19.9M | |
| Loans / deposits | 92.44% (p83 of band) | 73.59% |
| Liquid assets / assets | 23.58% (p29 of band) | |
| Uninsured deposits / deposits | 41.55% (p93 of band) | 19.81% |
| Brokered deposits | 20.53% | |
| Wholesale funding | 20.53% (p95 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 19.54% (p89 of band) | 11.76% |
| Unrealized securities loss / equity | 0.22% (p99 of band) | -6.57% |
| AOCI / equity | -0.55% (p42 of band) | |
| ROA (annualized) | -1.68% (p3 of band) | 1.17% |
| Net interest margin | 3.02% (p13 of band) | 3.93% |
| Efficiency ratio | 135.22% (p98 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 84% | |
| Construction % of loans | 11.55% (p41 of band) | |
| Auto loans | $26,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 66.3% | |
| Employees | 14 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2023-06 | 2 | losing money, expense ratio p90 |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | capital falling |  |
| 2024-03 | 4 | loans exceed deposits |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 4 | brokered >10% | loans exceed deposits |
| 2025-03 | 4 |  |  |
| 2025-06 | 4 |  |  |
| 2025-09 | 5 | wholesale funding >15% |  |
| 2025-12 | 5 |  |  |
| 2026-03 | 5 |  |  |
| 2026-06 | 5 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-18 [OakNorth expands US hiring as Community Unity acquisition nears – report - Retail Banker International](https://news.google.com/rss/articles/CBMimgFBVV95cUxOckpZVUlzd0VBcUswc3ZVX3c5RWxadEhVS2VkdE5FNGJUaG1WUno2aHBRR2Mxd2hkb00zMUdZenBQNEo3eVAzcnd4Qko1Q1dOdlEtbVpnb1EyaE9SMTdybEtGNHp6NThBNDhtMWpKZ2doVlJkbnlDZmt5ekFtQUNHeWpuWG03UjlvcVFWcHhnZzdCTEVWVDMyQjB3?oc=5) · Retail Banker International
- 2026-03-16 [UK Lender OakNorth Hiring in the US as Bank Acquisition Nears - Bloomberg.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxQM1Mxb2REeFBfOEhLWTlQMXJXWXpsVEZqcWVuQWRPRkRfUUJQNTFSXzNqcnBIREVJX3ZDSTF3TDRETDNuQm5LWnpnWVM0U2RNb3NhUldveEE3UzNhbEJZejBSTktESHlwTW83UFZLc0VxSzNlYVBNT0pqX0d0Z3lBaEk4NHdwaTh6X1JKNnpkWThJaF9vZjBmdWFQMWxzMWh1bE9HazFPVXNidGdZWHYzX0dB?oc=5) · Bloomberg.com
- 2026-03-23 [US Fed blocks Oaknorth US deal pending UK restructuring - FStech](https://news.google.com/rss/articles/CBMikgFBVV95cUxNWmMwQm9vY3FIUXNCQTh6X0xBbzlaSWdTVUFSenZHd2cxMlM1SUVwQmtMV3l0RC1mbFZUd3JSY3FDYU5FcGJpeTNpM3BOb0RCNDh4SWEzQlpLNkFKNVJHR1hfMFNBZzYtQ3RmU0c5R1FyYllyQlBVLWNFcFNUNnA5VTdqSkY2a2ktWUt5Qjl2UHNHdw?oc=5) · FStech
- 2025-03-19 [UK’s OakNorth to acquire Michigan community bank - Banking Dive](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQcUpPc2F6VmhiWnc4SkNDMXM4ZEF2SGtyOGE3UGRUNTBrV0JILWRJNDdWLXlFTnpUZmZlbEszNi0xbmVhRjlKX01ydENDV012dVBFODU0TGhPblZURjBJNkJscFd4ejI5OS13X1M0bjFhUWk4aUx2TXpWNWtfYnNTdE9ad2Q0dEtNUUtycWktQ0k0alZPV29aTk9pYjQxbFhXV0RqMlRfMTZBdw?oc=5) · Banking Dive
- 2025-03-17 [Bank started by former Oakland County Treasurer Andy Meisner sold after less than 2 years - Detroit Free Press](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOc1VUUkRlaUtsQzBrckhwMkpGZWEtU3RNSkVfQjdXbFNYVnVNa0cySVNZODRiLXpUb1kzczNfTWh0TTFhYkRVbGVqZDhNUnlaMGpiVHJreVZ4RU5tRG4xa1BzYmlIN3IxbU9CSUpHVTlHTkFlWmpfY09VTFdzSEduU3ZlS044dzdQRS1UOFpBcnJEdmFjMUJuUHFGYTZEck1CQmd4VDNZWkJiWmpZbEMtSFpXOEtPRFlsenlR?oc=5) · Detroit Free Press
- 2025-03-17 [UK's OakNorth to acquire Detroit-area community bank - American Banker](https://news.google.com/rss/articles/CBMikAFBVV95cUxQZ0FqWE9aS01udnZGSkl0VHZNYjZvOHk4akxjRmVnYU90ZENaelBiNFFvYWhFRnFlQ0ZRdjk2ZnFZYXB0MFA0UXY2aHBVdkZVal8tZTNTbHd4WXVDcEI4VWZyMW9aNWV1R1prWERlSWJKaEMwVklVbWkxZVh2cW84ZzVLRVBpYzV2X3U1NmJPMUM?oc=5) · American Banker
- 2025-09-03 [Founder of Michigan's newest bank departs after sale to fintech unicorn - Crain's Detroit](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOaWNwVlVwMmUxUlJIaGR5UHNoNmVtTEpzalFMclVNZXNObU9MVmhieDc5b3dCTy1VSEVNSXVtbHVYRE42ZVpYVXE5elpkdmJrOThNVGR5blBKOUFUeFRwVTBDT0lPeFNZcEVyTjRCQmNVLW5YRXFROE93dHc3U0ptdzlKcENoV0lr?oc=5) · Crain's Detroit
- 2023-10-17 [DBusiness Daily Update: Community Unity Bank Officially Opens Wednesday in Birmingham, and More - DBusiness Magazine](https://news.google.com/rss/articles/CBMiywFBVV95cUxQU0ZHNHotdU5wOG1KOVNQTHJmbFVvRkdRN3JXYkJySy1wMk8zS0pOV283ZldySmc4U0g3cHdPNkhXdmZFdV82T3piVWc3TzQzV1lTcHFIbDhueFI5VjlnQzdpamEwZmRCOW5tWE5DZk1tMnBfMXlqTzZ6bGRnZHk3ME9fbnUtVEtlVVpOeHF5NmI3Q0VaRXA5dHZSYWlNZk1xZXpzRmRXZ1NlVFNZdGliaXFScS1lMDBkV29DdUJtQjdMalpyY1Byb1ZyQQ?oc=5) · DBusiness Magazine

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59305 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/41.json (key "59305", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide