Total Assets
$612M
Total balance-sheet footings
FDIC Cert #8714 · Augusta, Wisconsin · Est. 1914
Unity Bank - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $612M
- Total assets
- F
- Health grade · At Risk
- -1.06%
- Return on assets
- 11.4%
- Tier 1 capital
Data updated July 2026
The verdict
Unity Bank earns a PlainBankData health grade of F (28/100), with well-capitalized at 11.39% Tier 1, -1.06% ROA, 83% efficiency ratio.
- #1,550
- largest of 4,313 FDIC banks by assets
- 64th
- percentile by asset size, nationally
- 11.39%
- Tier 1 ratio - above the 10% well-capitalized line
- 2nd
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How Unity Bank's 28/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Unity Bank's composite health score
Tier 1 Capital Ratio (11.39%) 28/40
Return on Assets (ROA) (-1.06%) 0/25
Texas Ratio (51.61%) 0/20
Efficiency Ratio (83.12%) 0/15
28 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$538M
Customer-funded liabilities
Net Loans
$456M
Outstanding loan book
Net Income
$-6,606K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Unity Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Unity Bank's score of 28/100 falls in the highlighted band.
Unity Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Unity Bank's $612M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.39% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.39%
Texas Ratio
51.61%
Equity Capital
$52M
Profitability metrics
Return on Assets (ROA)
2nd percentile nationally
-1.06%
Return on Equity (ROE)
-11.49%
Efficiency Ratio
83.12%
What the numbers say about Unity Bank
Unity Bank is an FDIC-insured institution (Certificate #8714) headquartered in Augusta, Wisconsin, established in 1914. It holds $612M in total assets - 1,550th of 4,313 FDIC-insured banks, $538M in customer deposits, and $456M in net loans. Its capital position: a Tier 1 ratio of 11.39%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 51.61% that is past the 50% mark analysts flag. That combination rolls up into a PlainBankData health grade of F (28 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Unity Bank sits 55th of 155 banks headquartered in Wisconsin by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$35M
Interest Income
$2M
Non-Interest Income
$21M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Unity Bank reports a Texas Ratio of 51.61% - elevated, troubled assets are consuming a meaningful share of capital and reserves.
Texas Ratio
Caution 50%
51.61% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Unity Bank
Unity Bank's grade of F reflects specific pressure points in the FDIC Call Report. Its Texas Ratio of 51.61% sits above the 50% level analysts flag, meaning non-performing loans are consuming a meaningful share of loss-absorbing capital. The bank reported negative net income of $-6,606K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Unity Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Wisconsin by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Unity Bank (FDIC Cert #8714) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Wisconsin
All Wisconsin banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Associated Bank, National AssociationGreen Bay | $45.1B | A | 1.10% |
| Nicolet National BankGreen Bay | $9.2B | A | 1.66% |
| Johnson BankRacine | $7.2B | A | 1.07% |
| Town Bank, National AssociationHartland | $4.5B | A | 1.27% |
| Bank First, N.A.Manitowoc | $4.5B | A | 1.64% |
| First Business BankMadison | $4.1B | B | 1.36% |
| John Deere Financial, f.s.b.Middleton | $3.4B | A | 3.87% |
| Lake Ridge BankMiddleton | $3.3B | B | 0.98% |
Frequently asked questions
What is Unity Bank's health grade?▼
Unity Bank receives a health grade of F (28/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank has significant financial challenges. All deposits remain FDIC-insured up to $250,000.
How large is Unity Bank?▼
Unity Bank holds $612M in total assets and $538M in deposits, ranking 1,550th of 4,313 FDIC-insured banks by asset size. It is headquartered in Augusta, Wisconsin.
Is my money safe at Unity Bank?▼
Yes, deposits at Unity Bank (Certificate #8714) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Unity Bank's Tier 1 Capital Ratio?▼
Unity Bank has a Tier 1 Capital Ratio of 11.39%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Unity Bank?▼
Unity Bank has a Texas Ratio of 51.61%. A ratio above 50% suggests elevated credit risk. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Unity Bank?▼
Unity Bank has an Efficiency Ratio of 83.12%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Unity Bank's profile as a depositor or analyst.
- Unity Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Unity Bank against other Wisconsin banks before moving funds. Wisconsin banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.