Community Unity Bank
Birmingham, MI
IDRSSD: 5860740
Total Assets
$80.11M
Latest filing
Total Deposits
$58.04M
Latest filing
Net Interest Margin
3.61%
Profitability
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 11/14/2025Established 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
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
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 | 19 |
| 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 | 11/14/2025 |
| CERT | 59305 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $80.11M |
| Total Deposits | $58.04M |
| Total Liabilities | $59.48M |
| Total Equity Capital | $20.62M |
| Net Income | $-975,000 |
| Net Loans and Leases | $50.87M |
| Assets Per Employee ($Millions) | $4.71M |
| Bank Premises and Fixed Assets | $1.76M |
| Cash and Balances due from Depository Institutions | $3.77M |
| Deposits Held in Domestic Offices | $58.04M |
Key Performance Ratios
| Return on Assets (ROA) | -5.05% |
| Return on Equity (ROE) | -18.64% |
| Net Interest Margin | 3.61% |
| Efficiency Ratio | 233.94% |
| Tier 1 Risk-Based Capital Ratio | 39.729% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.12% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 25.746% |
| Earning Assets to total Assets | 96.42% |
Income and Expense
| Total Interest Income | $1.20M |
| Total Noninterest Income | $38.00k |
| Total Interest Expense | $524.00k |
| Total Noninterest Expense | $1.66M |
| Net Interest Income | $672.00k |
| Pre-tax Net Operating Income | $-975,000 |
| Provision for Credit Losses | $24.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $9.84M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.44M |
| Total Liabilities and Capital | $80.11M |
Securities
| Securities | $13.24M |
| Available-for-sale debt securities | $13.24M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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?
$80.11M as of the latest filing.
How much are Community Unity Bank's total deposits?
$58.04M in total deposits.
Where is Community Unity Bank located?
Birmingham, MI.
What is the Net Interest Margin?
3.61%.
How many domestic offices does it operate?
1.
When was it established?
06/26/2023.
What is the Return on Assets (ROA)?
-5.05%.
How much are total loans and leases?
$50.87M (latest filing).
What is the total interest income (latest filing)?
$1.20M.