Unity Bank
Total assets
$574.8M
▼ -7.9% YoY
Deposits
$509.6M
▼ -6.6% YoY
Loans
$422.6M
▼ -10.7% YoY
Offices
13
KIMBERLY LEASING CORP
ROA (annualized)
0.03%
peers 1.28%
ROE (annualized)
0.31%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | Unity Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.9% | +4.9% | -12.8 pts |
| Deposit growth (YoY) | -6.6% | +4.3% | -11.0 pts |
| Loan growth (YoY) | -10.7% | +5.3% | -16.1 pts |
| ROA | 0.03% | 1.28% | -1.3 pts |
| ROE | 0.3% | 12.4% | -12.1 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
Profile
- Established
- 1914
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- KIMBERLY LEASING CORP
- Specialization
- Agricultural Specialization
- Address
- 207 W Lincoln St, Augusta, WI, 54722
- County
- Eau Claire
- Metro area
- Eau Claire, WI
- Offices
- 13
- FDIC cert #
- 8714
- RSSD ID
- 443353
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $574.8M | $509.6M | $422.6M | $52.0M | $80K | 0.03% | 3.91% | 6.69% |
| Q1 2026 | $587.6M | $516.8M | $430.9M | $52.1M | $67K | 0.04% | 3.92% | 6.38% |
| Q4 2025 | $611.8M | $538.0M | $456.5M | $52.4M | $-6.6M | -1.06% | 3.87% | 5.66% |
| Q3 2025 | $606.5M | $527.3M | $463.6M | $57.6M | $-1.2M | -0.25% | 3.90% | 5.81% |
| Q2 2025 | $624.1M | $545.8M | $473.3M | $56.8M | $-1.9M | -0.59% | 3.86% | 5.07% |
| Q1 2025 | $636.7M | $550.6M | $477.8M | $59.0M | $672K | 0.42% | 3.67% | 3.78% |
| Q4 2024 | $637.4M | $542.5M | $487.7M | $61.7M | $6.1M | 0.97% | 3.90% | 3.20% |
| Q3 2024 | $635.6M | $541.1M | $507.1M | $61.7M | $4.7M | 1.00% | 3.85% | 3.24% |
Loan mix (Q2 2026): real estate $358.0M · commercial $32.0M · consumer $4.9M · securities $82.2M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Unity Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.03% | 1.28% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | 0.3% | 12.4% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.91% | 3.89% | 51th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.1% | 61.2% | 97th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Unity Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Unity Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Unity Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Unity Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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