Unity Bank

Chartered Bank Active FDIC Insured
Health Score
3.8 / 10

207 W Lincoln St, Augusta, WI 54722

Financial Overview

Total Assets $587.6M
Total Deposits $516.8M
Profitability (ROA) 0.04%
Shareholder Return (ROE) 0.51%
Capital Cushion (Eq/Assets) 8.86%
Established 12/01/1914

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

Location

207 W Lincoln St

Augusta, Wisconsin 54722

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