# UNITY BANK
RUSH CITY, MN · FDIC certificate 8545 · asset band <$300M · latest filing 2018-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $216.6M | |
| Deposits | $195.1M | |
| Loans and leases | $180.5M | |
| Total equity | $17.9M | |
| Loans / deposits | 91.11% (p77 of band) | 77.51% |
| Liquid assets / assets | 13.68% (p11 of band) | |
| Uninsured deposits / deposits | 4.80% (p8 of band) | 15.78% |
| Brokered deposits | 2.33% | |
| Wholesale funding | 3.55% (p59 of band) | |
| FHLB advances / assets | 1.22% | |
| Tier 1 leverage | 8.34% (p6 of band) | 11.30% |
| Unrealized securities loss / equity | -1.08% (p62 of band) | -1.85% |
| AOCI / equity | -0.08% (p74 of band) | |
| ROA (annualized) | 1.07% (p55 of band) | 0.99% |
| Net interest margin | 4.55% (p86 of band) | 3.82% |
| Efficiency ratio | 76.17% (p67 of band) | |
| Noncurrent loans | 3.56% (p94 of band) | 0.53% |
| Net charge-offs (annualized) | 0.12% (p81 of band) | |
| Reserve coverage of noncurrent | 42.33% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 27.92% (p62 of band) | |
| Auto loans | $2.7M (1.50% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.4% | |
| Employees | 77 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | losing money |  |
| 2011-06 | 0 |  | losing money |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | uninsured deposits leaving |  |
| 2012-09 | 3 | deposits shrinking, assets shrinking |  |
| 2012-12 | 1 |  | deposits shrinking, assets shrinking |
| 2013-03 | 3 | deposits shrinking, assets shrinking |  |
| 2013-06 | 1 |  | deposits shrinking, assets shrinking |
| 2013-09 | 0 |  | uninsured deposits leaving |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | liquid assets <10% |  |
| 2015-09 | 1 | capital falling | reserve under noncurrent, liquid assets <10% |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | uninsured deposits leaving |  |
| 2017-03 | 2 | liquid assets <10% |  |
| 2017-06 | 0 |  | uninsured deposits leaving, liquid assets <10% |
| 2017-09 | 2 | capital falling, reserve under noncurrent |  |
| 2017-12 | 0 |  | capital falling, reserve under noncurrent |
| 2018-03 | 1 | brokered >10% |  |
| 2018-06 | 3 | liquid assets <10%, reserve under noncurrent, uninsured deposits leaving | brokered >10% |
| 2018-09 | 4 | noncurrent p90 |  |
| 2018-12 | 3 |  | liquid assets <10% |

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

- 2026-07-02 [MMFCU announces agreement to purchase Unity Bank’s Clarissa branch - Brainerd Dispatch](https://news.google.com/rss/articles/CBMirgFBVV95cUxPb0RjWEprMXdHeXJsOFVLTUI1cVR2YlZxQ1lYZkpBNFVsejhFN21nUENkRnpWa1MyZW5DZ0NjY3R0ZGhLSU41U0ZFZkVVTmUyellCNUdBejl4V0NyMmVPVlpPV011VE53XzRRUFdiYjM4d1JyN1A1UnlobWNWcjlabHJfYkxCMmJEMDRwMHpwZ2Y4aUxhY0R6SmkxVzdzVnFUZEtoQjBsWW1DV2NLNWc?oc=5) · Brainerd Dispatch
- 2026-08-31 [Small bank battles out-of-state investor - Montana Free Press](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQa1hOMkltUUtCQVB3aTk2M292SlpTTTVDdUpZVnoyeGxuTlN4UXZXVUsxREZTbUtCTGxrUmxKN3p4REhHdkhPeVg1Y3Z0dC1obVZvRi1EaUwzTzZMcm5lY29LSDV2OXZUdnh2MlpsV3FVQ3BMaTNBUFgzbDFPb2NrYkxNdmNXVVYt?oc=5) · Montana 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
- 2025-09-26 [How did IBM help Unity Bank accelerate API delivery? - analyticsindiamag.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxPSTMxNHMzOWdOX2ZMVUxPRkpUWEJWTGVFdTNEb2wtaDhzZ09GNl9QQmhFWjVtclFLTEZ5QjRIbktGS1kxanVoUmNOb1dvY1VJaDBMTlNuSUlBaklINHJ0OHdWcnB3OXVTak9JSEEyQW9WNW44akp3ZEl5WW4wbHR1aFgyd3U0Y1hMTW5pbVhtSUh5bW5yemtpRzM0amFEMTEwaFltbzlsOA?oc=5) · analyticsindiamag.com
- 2020-11-30 [William "Bill" Serra Obituary Nov 30, 2020 - brenny.com](https://news.google.com/rss/articles/CBMiYEFVX3lxTE5NT1BMUDZBdHpfVGE2NWF3OWRhQmdKc0M2b29IRWtTQ2dfay1WVjduNUxDYU14YmNrYmx3N3hrMlg0cWJUQzMwZFFMZzcxeEhOVndMNUg0a092N0lXdndpUA?oc=5) · brenny.com
- 2025-07-18 [Black-Owned Banks Throughout The U.S. So You Can Bank Black - Yahoo Finance](https://news.google.com/rss/articles/CBMiggFBVV95cUxQeTBYaEVvcW8yVFNvenZpWXQ1RXdUQVBOVDRlWHU2ak1wWUc5T3NMSDlrdVFIUlZ5MjE0cFZXMXdTaGVDVHlMNXE1aUZENXVIY3pXX0UtdWYyb29fU1pKZEV5ei0xTEY4bE42dkZmazRneVFkalZkbDN6RWVxNFRjNDJR?oc=5) · Yahoo Finance
- 2025-05-29 [Nick Lanners Obituary May 29, 2025 - Emblom Brenny Funeral Service](https://news.google.com/rss/articles/CBMia0FVX3lxTFBEU21WeElaZTNOUlpMQ29RUzhSSUZ4RTNKYUxqOVJoR3NvTnd5RGNIZE1laTJZV2QtV3NNV2FWUVl6dE5IamNxZzRTRTFiZmJkcjR3bXp6aUVvQmlkOUNGcERPOEg3X21uT3BZ?oc=5) · Emblom Brenny Funeral Service
- 2020-07-01 [Black-Owned Banks by State - Investopedia](https://news.google.com/rss/articles/CBMicEFVX3lxTFB5NHlXMVFqNU0wTjdESlM2b0g4OGp5ODQ0cTNtOW83eFBEMTBWbl9kUUp4VTNHX3plLVBlS3J1X3VNMGdhcDVaajZrZTJlX3RuS3FPNjJHWkNBSlRxbExsUFVlbUJfTjhZa3B3TS02Q2M?oc=5) · Investopedia

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8545 (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/33.json (key "8545", 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