# UNITY BANK
AUGUSTA, WI · FDIC certificate 8714 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $574.8M | |
| Deposits | $509.6M | |
| Loans and leases | $436.7M | |
| Total equity | $52.0M | |
| Loans / deposits | 82.92% (p53 of band) | 82.04% |
| Liquid assets / assets | 21.59% (p38 of band) | |
| Uninsured deposits / deposits | 11.61% (p6 of band) | 25.97% |
| Brokered deposits | 1.83% | |
| Wholesale funding | 3.55% (p50 of band) | |
| FHLB advances / assets | 1.71% | |
| Tier 1 leverage | 8.78% (p9 of band) | 10.81% |
| Unrealized securities loss / equity | -2.62% (p75 of band) | -8.10% |
| AOCI / equity | -0.90% (p25 of band) | |
| ROA (annualized) | 0.03% (p4 of band) | 1.28% |
| Net interest margin | 3.91% (p50 of band) | 3.91% |
| Efficiency ratio | 94.11% (p97 of band) | |
| Noncurrent loans | 8.39% (p100 of band) | 0.43% |
| Net charge-offs (annualized) | 0.41% (p95 of band) | |
| Reserve coverage of noncurrent | 38.69% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 16.13% (p21 of band) | |
| Auto loans | $1.1M (0.26% of loans; DQ 1.68%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -6.6% | |
| Employees | 125 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 0 |  | capital falling |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 2 | uninsured deposits leaving |  |
| 2013-03 | 0 |  | capital falling, uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 1 | reserve under noncurrent |  |
| 2015-09 | 0 |  | reserve under noncurrent |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 2 | charge-offs p90 |  |
| 2016-09 | 1 |  | charge-offs p90 |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 1 | brokered >10% |  |
| 2017-09 | 2 | capital falling |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | wholesale funding >15%, reserve under noncurrent | capital falling |
| 2018-06 | 2 | uninsured deposits leaving | brokered >10%, wholesale funding >15% |
| 2018-09 | 3 | noncurrent p90 |  |
| 2018-12 | 2 |  | uninsured deposits leaving |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | capital falling |  |
| 2020-03 | 3 | uninsured deposits leaving | capital falling |
| 2020-06 | 2 |  | uninsured deposits leaving |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 1 |  | noncurrent p90, capital falling |
| 2021-03 | 2 | noncurrent p90 |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | capital falling |  |
| 2023-12 | 2 |  | capital falling |
| 2024-03 | 3 | charge-offs p90 |  |
| 2024-06 | 2 |  | charge-offs p90 |
| 2024-09 | 3 | charge-offs p90 |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 | capital falling | charge-offs p90 |
| 2025-06 | 4 | losing money |  |
| 2025-09 | 4 | charge-offs p90 | capital falling |
| 2025-12 | 5 | expense ratio p90 |  |
| 2026-03 | 6 | deposits shrinking, assets shrinking | losing money |
| 2026-06 | 6 |  |  |

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

- 2025-12-06 [Unity Bank Classic Car Show benefits Family Promise - New Jersey Hills](https://news.google.com/rss/articles/CBMi6gFBVV95cUxOVkJqaGRJbVRQMldhTVBFQmd5YTlubGszR0dkTXJFNTRKa3RtRWtVbUxXSUx5aDhOY3BrUmVhWUE2Rk1EUk9LTGs5RkZkTUZHTFJlUVRyNjNKcUZEaGNFTkY3WXhKb0xsTjhJdTB3VTJmcUdzSVRJeG1Bb0QxWnhUMk1CR2hGZmszZ3hETGtaSjBwMWZWb0E1S0Q0WXN2am93dU5XRHVlVldtNjlvZEhVRW81eUNlQ2pSTzdWMEQ2eDRwS3RNVHVsMkw0Y01RMXh1aUN0SDEzSVVuTUFUZVJ4Wm5SN1NLVnJ0ekE?oc=5) · New Jersey Hills
- 2021-10-21 [Unity Bank expands with Centurion Union Center branch - NJBIZ](https://news.google.com/rss/articles/CBMifEFVX3lxTE01WDc5TzgxQlhwMmtZVkJReExWLVVWb2xkbVd0QXpjZnltNExtd3VVcWJyX1FCTDFDVUp2SDg3TmF0TWI1bEJMT01PM1RzQXh5NExhRWlIQ29DTHN2RjVwM1pDaXpHYlB2dlRmRF9XNUtsdEc3M2g3cUEySVo?oc=5) · NJBIZ
- 2017-05-21 [Business Notes - May 21 - Brainerd Dispatch](https://news.google.com/rss/articles/CBMicEFVX3lxTE40ZGd0eFZJYzFGUjZTTDgtSHdKSG5mVlhEUExZX1ptM2RtX2V3NmZNZUZ0WXV3czJqUzJnVHlOOFBFT3NrTktEX3hFVW8zTlJXNERkVGpGUy13U0VtMHk5Z1A0bWN6bXlubWhzWnY5OHY?oc=5) · Brainerd Dispatch
- 2020-09-24 [OneUnited: The Nation’s Largest Black-Owned Bank Is Unapologetically Black And Activist - Forbes](https://news.google.com/rss/articles/CBMizwFBVV95cUxObmRyajdLb3lDLVRkTUk0TWY2b0ZlblFzSUREZ05tZ0tMWEdTMUZBdThaY01lYXJUNmNqUW02U1RSR0t6TF9adGNQNjR5T3Uxek1xd3ZEMDlvWXdhNVhRY01MeFpaRE4zdnFxQ1c2VFI4QXdEUE80UzJSbzNyYlA0bnR0aF81ZWMwN2kzbU1Db1llc0JTRTloLTRWRWRMRk44ZEc3dGlZdnM5QzFCNHVRVUR1T3RIendpcFh0dW45aWRJd0dRbHduaU1yVHBqX1U?oc=5) · Forbes
- 2022-06-21 [Racine Banker, Alvaro Araque, to Serve as Officer on Bankers Association Board - Urban Milwaukee](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPcGstZWhTNGtVSEluZDJYajl6NVJKcWEyc0tZTWpiNkItbW1IMElrUUNqZHVfcjEyYlN0RVNHcG44X0lmSHhITXRMWENVeFpvN2FuUUpMUWJrS3h4U1lsWmtxaHFFSzdVT1huM2k4NzJQeFZZTm1CVTlJdTQtdGxkd1lpSHFPOUZtazVUZXE1S2FQdzVCQk5RbGJMMkpRc1hlSDA4cW1ZZDlzM0xVc1Z3T09QZXBhb196?oc=5) · Urban Milwaukee
- 2026-06-12 [Unity Bank, AU Small Finance Bank raise FD rates; senior citizens can earn up to 8.30% - Business Today](https://news.google.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?oc=5) · Business Today
- 2020-07-01 [Black-Owned Banks by State - Investopedia](https://news.google.com/rss/articles/CBMicEFVX3lxTFB5NHlXMVFqNU0wTjdESlM2b0g4OGp5ODQ0cTNtOW83eFBEMTBWbl9kUUp4VTNHX3plLVBlS3J1X3VNMGdhcDVaajZrZTJlX3RuS3FPNjJHWkNBSlRxbExsUFVlbUJfTjhZa3B3TS02Q2M?oc=5) · Investopedia
- 2021-04-11 [Clinton's Unity Bank president/CEO James A. Hughes appointed to ICBA Large Community Bank Council - New Jersey Hills](https://news.google.com/rss/articles/CBMipAJBVV95cUxQSkMyaTVQeVgtYkpsbkpqZk1GRTVHY242R2lHQXE0TkFqdGhoNERJa0xBMU5WRkNnMjRld2VqM2VEZVI3UkwxZGd1M1NZUWVaU1N5YVo2LTNKSnk0bzAzTGItc0JCQWlPdHhMWm5FUmtUaDZrd04zVlVtcnkxZ1M0NTRuNlZCWVV5UC1lM21oZm5JbGRtczFMSnFOUVR0dEZTVXVxSHFITWJUVWQzU083Yms5NVNqdFhiMjNlRzE3a3NjcWtXTWtzUEVQbFhRR1pjQXdnRVRSN3BrSm1GUWRTNk5EYThvSU5ySzdfTnhhUU9rajFaTExfcXNBRm5jRDNXRkRqcFlncGdIMjMxclQ0MDk4MDBwRzlSUWdNcTFXdTUwS2tm?oc=5) · New Jersey Hills

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8714 (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/10.json (key "8714", 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