Community Unity Bank
Birmingham, MI
IDRSSD: 5860740
Total Assets
$95.01M
Latest filing
Total Deposits
$72.76M
Latest filing
Net Interest Margin
3.07%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Community Unity Bank
34040 Woodward Ave
Birmingham, MI 48009
Full Service - Brick and Mortar
Updated 01/30/2026Established 06/26/2023FDIC Certificate 641744
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Community Unity Bank (Main) | 34040 Woodward Ave | Birmingham, MI | ||
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 06/26/2023 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 48009 |
| State and County Number | 26125 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Detroit-Warren-Dearborn, MI |
Operational Info
| Number of Employees | 17 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/26/2023 |
| Date of Deposit Insurance | 06/26/2023 |
| Primary Insurance Agency | DIF |
| Website | www.communityunity.bank |
| Data Updated | 01/30/2026 |
| CERT | 59305 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $95.01M |
| Total Deposits | $72.76M |
| Total Liabilities | $74.15M |
| Total Equity Capital | $20.86M |
| Net Income | $-406,000 |
| Net Loans and Leases | $53.51M |
| Assets Per Employee ($Millions) | $6.33M |
| Bank Premises and Fixed Assets | $1.73M |
| Cash and Balances due from Depository Institutions | $3.17M |
| Deposits Held in Domestic Offices | $72.76M |
Key Performance Ratios
| Return on Assets (ROA) | -1.85% |
| Return on Equity (ROE) | -7.83% |
| Net Interest Margin | 3.07% |
| Efficiency Ratio | 151.33% |
| Tier 1 Risk-Based Capital Ratio | 36.863% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.27% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 21.954% |
| Earning Assets to total Assets | 96.89% |
Income and Expense
| Total Interest Income | $1.25M |
| Total Noninterest Income | $27.00k |
| Total Interest Expense | $598.00k |
| Total Noninterest Expense | $1.02M |
| Net Interest Income | $649.00k |
| Pre-tax Net Operating Income | $-406,000 |
| Provision for Credit Losses | $59.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $23.43M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.39M |
| Total Liabilities and Capital | $95.01M |
Securities
| Securities | $12.56M |
| Available-for-sale debt securities | $12.56M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Community Unity Bank?
$95.01M as of the latest filing.
How much are Community Unity Bank's total deposits?
$72.76M in total deposits.
Where is Community Unity Bank located?
Birmingham, MI.
What is the Net Interest Margin?
3.07%.
How many domestic offices does it operate?
1.
When was it established?
06/26/2023.
What is the Return on Assets (ROA)?
-1.85%.
How much are total loans and leases?
$53.51M (latest filing).
What is the total interest income (latest filing)?
$1.25M.