Headquartered in Birmingham, Michigan, Community Unity Bank is a state-chartered bank with $107.1M in total assets and $85.8M in deposits as of Q2 2026. It operates 1 office.
Based on its Q2 2026 filing, Community Unity Bank scores 71/100, which we describe as strong. That is higher than only 47% of 2,650 banks with $100 million – $1 billion. Among 72 banks headquartered in Michigan, it ranks 33rd. Its strongest component is capital cushion (100/100; 19.54%), and its lowest is earnings (0/100; -1.68%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (72 → 71).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 71 |
| Q4 2024 | 74 |
| Q1 2025 | 75 |
| Q2 2025 | 72 |
| Q3 2025 | 73 |
| Q4 2025 | 76 |
| Q1 2026 | 74 |
| Q2 2026 | 71 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 51.94% |
| Q3 2024 | 45.48% |
| Q4 2024 | 38.44% |
| Q1 2025 | 32.99% |
| Q2 2025 | 29.14% |
| Q3 2025 | 26.03% |
| Q4 2025 | 24.17% |
| Q1 2026 | 21.46% |
| Q2 2026 | 19.54% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -5.90% |
| Q3 2024 | -6.30% |
| Q4 2024 | -5.73% |
| Q1 2025 | -2.71% |
| Q2 2025 | -2.87% |
| Q3 2025 | -3.66% |
| Q4 2025 | -3.11% |
| Q1 2026 | -2.00% |
| Q2 2026 | -1.68% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $107.1M | 19.54% | 0.00% | -1.68% | 92.4% |
| Q1 2026 | 74 | $95.2M | 21.46% | 0.00% | -2.00% | 82.5% |
| Q4 2025 | 76 | $95.0M | 24.17% | 0.00% | -3.11% | 73.5% |
| Q3 2025 | 73 | $80.1M | 26.03% | 0.00% | -3.66% | 87.6% |
| Q2 2025 | 72 | $74.4M | 29.14% | 0.00% | -2.87% | 94.5% |
| Q1 2025 | 75 | $67.1M | 32.99% | 0.00% | -2.71% | 91.6% |
| Q4 2024 | 74 | $64.3M | 38.44% | 0.00% | -5.73% | 95.7% |
| Q3 2024 | 71 | $51.7M | 45.48% | 0.00% | -6.30% | 107.2% |
| Q2 2024 | 72 | $48.6M | 51.94% | 0.00% | -5.90% | 102.2% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Michigan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Blissfield State BankBank Blissfield, MI | 66 out of 100, Moderate | $114.6M | 11.3% | 1.69% | vs |
| Kalamazoo County State BankBank Schoolcraft, MI | 77 out of 100, Strong | $118.4M | 12.1% | 0.33% | vs |
| G. W. Jones Exchange BankBank Marcellus, MI | 61 out of 100, Moderate | $122.8M | 10.4% | 1.64% | vs |
| The Miners State BankBank Iron River, MI | 82 out of 100, Strong | $134.8M | 12.2% | 0.00% | vs |
| Sidney State BankBank Sidney, MI | 80 out of 100, Strong | $138.7M | 9.6% | 0.06% | vs |
| Bay Port State BankBank Bay Port, MI | 71 out of 100, Strong | $153.4M | 10.9% | 0.65% | vs |
Deposit insurance
Is my money safe at Community Unity Bank?
Yes. Community Unity Bank is an FDIC-insured institution (FDIC certificate #59305). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 41.6% of deposits ($35.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 19.54%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 24.23% (benchmark: 10%).
1 location
Branches
Community Unity Bank lists 1 office in 1 city. Most locations:
- Birmingham, MI (1)
Identity & history
Profile
- Legal name
- Community Unity Bank
- Type
- State-chartered bank
- FDIC certificate #
- 59305
- RSSD ID
- 5860740
- Primary regulator
- FDIC
- Established
- June 26, 2023
- Headquarters
- 34040 Woodward Ave, Birmingham, MI 48009
- Website
- www.communityunity.bank
- Employees
- 14
Quick answers
Community Unity Bank: common questions
Is Community Unity Bank FDIC insured?
Yes. Community Unity Bank is an FDIC-insured institution (FDIC certificate #59305). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Community Unity Bank's TellerScore?
71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Community Unity Bank ever failed?
There is no failure record for FDIC certificate #59305 in the FDIC failed bank list.
How many branches does Community Unity Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Birmingham
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| JPMorgan Chase Bank, DearbornBank Dearborn, MI | 94 out of 100, Very strong | $71.5M | 99.6% | 0.00% | vs |
| I.M. Detroit District Credit UnionCredit union Detroit, MI | 93 out of 100, Very strong | $1.9M | 28.1% | 0.00% | vs |
| The Local Credit UnionCredit union Sterling Height, MI | 92 out of 100, Very strong | $106.6M | 16.1% | 0.26% | vs |
| Electrical Workers Local 58 Credit UnionCredit union Detroit, MI | 90 out of 100, Very strong | $21.4M | 12.2% | 0.09% | vs |
| Jessop Community Federal Credit UnionCredit union Washington, PA | 87 out of 100, Very strong | $34.1M | 13.8% | 0.38% | vs |
| Cha-Tel Federal Credit UnionCredit union Charleston, WV | 86 out of 100, Very strong | $11.5M | 13.6% | 0.04% | vs |