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.
FDIC Call Report plate
Cert 8714 · WI F · 28/100
GRADE-F · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-WATCH · ROA-LOSS · SIZE-MID · BOOK-FULL
- GRADE-F F (28/100)
- BOTTOM-DECILE #4276/4307
- PHOTO-FINISH Lamont Bank of St. J… · WA
- TIER1-WELL 11.4% Tier 1
- TEXAS-WATCH 51.6% Texas
- ROA-LOSS -1.06% ROA
- SIZE-MID $100M–1B
- BOOK-FULL 9/9 fields
Nearest health peer outside Wisconsin: Lamont Bank of St. John, WA (±0 health pts)
Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.
Health-score neighbourhood around Unity Bank
Lowest and highest poles plus nearest scored peers outside Wisconsin, not a full FDIC corpus board reprint.
Call Report read for Unity Bank in a high-failure state
Unity Bank (FDIC Cert #8714) carries a PlainBankData health grade of F at 28/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,276 of 4,307. Tier 1 capital prints at 11.39%, clearing the 10% well-capitalized line. The Texas Ratio is 51.61%, above the 50% watch level where troubled assets press the capital cushion. Return on assets is -1.06%. Balance-sheet scale is $612M, 1,550th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Lamont Bank of St. John (WA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.
State failure history around Unity Bank
11 FAILURE resolutions in Wisconsin since 2000, heavy vs the state corpus
Unity Bank sits in one of the heavier post-2000 FAILURE states (11 resolutions; latest year 2017). The list below is state history from the Failed Bank List, not a claim about Unity Bank's current Call Report.
- GUARANTY BANK MILWAUKEE, WI 2017 → FIRST-CITIZENS BANK & TRUST COMPANY
- NORTH MILWAUKEE STATE BANK MILWAUKEE, WI 2016 → FIRST-CITIZENS BANK & TRUST COMPANY
- BANK OF WAUSAU WAUSAU, WI 2013 → NICOLET NATIONAL BANK
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Wisconsin banks.
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.
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: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
28 1st percentile higher than 1% of 4,307 FDIC-insured banks
Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FDIC Call Reports · July 2026
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.
Capital & credit buffers at Unity Bank
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: Unity Bank
Return on Assets (ROA)
2nd percentile nationally
-1.06%
Return on Equity (ROE)
-11.49%
Efficiency Ratio
83.12%
Income & expense: loss period at Unity Bank
$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
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($612M here), outside Wisconsin so the neighborhood is not state containment.
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.
Unity Bank Call Report profile · FDIC Failed Bank List · Wisconsin FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
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% |