Unity Bank
207 W Lincoln St, Augusta, WI 54722
Financial Overview
Financial Health Analysis
Unity Bank is a currently active agricultural specialization banking institution headquartered in Augusta, Wisconsin. Established in 12/01/1914, this institution operates under regulatory supervision and is fully insured by the FDIC.
As a financial institution, Unity Bank manages $587.6M in total assets and holds $516.8M in customer deposits. When evaluating the stability of Unity Bank, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 8.86%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.
In terms of operational efficiency, the bank's Return on Assets (ROA) is 0.04%, while its Return on Equity (ROE) sits at 0.51%. These figures yield a lower health score of 3.8 out of 10, indicating potential areas for operational improvement and tighter capital management.
Risk & Growth Profiles
✓ Clean Regulatory Record
No recent history of FDIC conservatorship or financial failure.
Deposit Momentum
$32.3M avg deposits per branch.
Measures how much capital the bank holds against its physical footprint. A higher ratio indicates a highly liquid, lower-overhead lending profile.
Operations & Contact
Contact
Website: www.unitybanking.com
FDIC Certificate #: 8714
Specialization: Agricultural Specialization