TellerScore

Unity Bank (FDIC certificate #8714) is based in Augusta, Wisconsin. Its Q2 2026 call report shows $574.8M in total assets and $509.6M in deposits and 13 offices across 3 states.

Based on its Q2 2026 filing, Unity Bank scores 27/100, which we describe as low. That is higher than only 0% of 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 153rd. Its strongest component is funding & liquidity (77/100; 83% loans-to-deposits, 12% uninsured), and its lowest is problem-loan coverage (0/100; 58.1%).

TellerScore · Q2 2026

Scorecard

Capital cushion38/100
Tier 1 leverage ratio: 8.78%
Loan quality0/100
Noncurrent loans ÷ total loans: 8.39%
Earnings21/100
Return on assets (annualized): 0.03%
Funding & liquidity77/100
Loans ÷ deposits and uninsured-deposit share: 82.9% · 11.6% uninsured
Problem-loan coverage0/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 58.14%

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

From Q2 2025 to Q2 2026, the score rose 4 points (23 → 27), mostly because the earnings component improved by 21 points.

TellerScore
213140Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202439
Q3 202440
Q4 202440
Q1 202533
Q2 202523
Q3 202525
Q4 202521
Q1 202626
Q2 202627
Tier 1 leverage ratio
5.00%7.32%9.64%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.54%
Q3 20249.64%
Q4 20249.62%
Q1 20259.08%
Q2 20258.86%
Q3 20259.17%
Q4 20258.31%
Q1 20268.49%
Q2 20268.78%
Noncurrent loans
3.99%6.19%8.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20244.33%
Q3 20243.99%
Q4 20244.13%
Q1 20254.97%
Q2 20256.55%
Q3 20257.46%
Q4 20257.35%
Q1 20268.02%
Q2 20268.39%
Return on assets
-1.06%0.03%1.12%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.12%
Q3 20241.00%
Q4 20240.97%
Q1 20250.42%
Q2 2025-0.59%
Q3 2025-0.25%
Q4 2025-1.06%
Q1 20260.04%
Q2 20260.03%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202627$574.8M8.78%8.39%0.03%82.9%
Q1 202626$587.6M8.49%8.02%0.04%83.4%
Q4 202521$611.8M8.31%7.35%-1.06%84.9%
Q3 202525$606.5M9.17%7.46%-0.25%87.9%
Q2 202523$624.1M8.86%6.55%-0.59%86.7%
Q1 202533$636.7M9.08%4.97%0.42%86.8%
Q4 202440$637.4M9.62%4.13%0.97%89.9%
Q3 202440$635.6M9.64%3.99%1.00%93.7%
Q2 202439$625.6M9.54%4.33%1.12%96.3%

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).

Capital ratio8.78%
9th
Total risk-based capital13.44%
59th
Problem loans8.39%
0th
Net charge-offs0.54%
5th
Return on assets0.03%
3rd
Net interest margin3.91%
49th
Efficiency ratio94.1%
4th
Loans to deposits82.9%
43rd
Uninsured deposits11.6%
91st
Loan-loss reserves3.25%
99th
Texas ratio58.1%
0th

Similar-size banks in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Baraboo State BankBank Baraboo, WI84 out of 100, Strong$569.6M11.7%0.01%vs
PremierBankBank Fort Atkinson, WI70 out of 100, Strong$583.9M9.8%0.24%vs
Capitol BankBank Madison, WI79 out of 100, Strong$565.3M12.4%0.02%vs
PyraMax Bank, FSBBank Greenfield, WI67 out of 100, Moderate$588.7M11.2%0.25%vs
First State BankBank New London, WI69 out of 100, Moderate$558.1M9.8%0.12%vs
Northwestern Mutual Wealth ManagementBank Milwaukee, WI93 out of 100, Very strong$557.7M55.0%0.00%vs

Deposit insurance

Is my money safe at Unity Bank?

Yes. Unity Bank is an FDIC-insured institution (FDIC certificate #8714). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 11.6% of deposits ($59.2M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.78%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.44% (benchmark: 10%).

Check how much of your own balance is covered

13 locations

Branches

Unity Bank lists 12 offices in 12 cities across 3 states. Most locations:

  • Augusta, WI (1)
  • Clarissa, MN (1)
  • Crosby, MN (1)
  • Edina, MN (1)
  • Fall Creek, WI (1)
  • Motley, MN (1)
  • Neillsville, WI (1)
  • Pierz, MN (1)
  • Polson, MT (1)
  • Red Lake Falls, MN (1)
  • Rush City, MN (1)
  • Staples, MN (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Unity Bank reported 24 home-loan applications under HMDA (LEI 549300K1K5K5L0W6QR97): 21 originated ($4,975,000 total), 3 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Unity Bank
Former names
Peoples State Bank
Type
State-chartered bank
FDIC certificate #
8714
RSSD ID
443353
Primary regulator
FDIC
Holding company
Kimberly Leasing Corp
Established
December 1, 1914
Headquarters
207 W Lincoln St, Augusta, WI 54722
Employees
125

Quick answers

Unity Bank: common questions

Is Unity Bank FDIC insured?

Yes. Unity Bank is an FDIC-insured institution (FDIC certificate #8714). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Unity Bank's TellerScore?

27 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Unity Bank ever failed?

There is no failure record for FDIC certificate #8714 in the FDIC failed bank list.

How many branches does Unity Bank have?

13 offices as of the latest FDIC data, in 3 states.

Nearby

Highest-scoring banks and credit unions with branches near Augusta

InstitutionScoreAssetsCapitalProblem loansCompare
Northwestern BankBank Chippewa Falls, WI80 out of 100, Strong$725.6M11.2%0.03%vs
Westconsin Credit UnionCredit union Menomonie, WI78 out of 100, Strong$2.2B12.9%0.64%vs
Citizens State Bank of La CrosseBank La Crosse, WI76 out of 100, Strong$648.5M13.4%1.06%vs
Wnb Financial, N.A.Bank Winona, MN76 out of 100, Strong$583.7M10.3%0.08%vs
Independence State BankBank Independence, WI75 out of 100, Strong$84.2M10.4%0.00%vs
Prevail BankBank Medford, WI74 out of 100, Strong$1.0B12.6%0.20%vs