Unity Bank: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Unity Bank (FDIC Cert #8714) at 93/100 for bank stress — a severe level of financial pressure. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

DLRadar maps Unity Bank into 10 counties (213 ZIP codes) across 3 states — a compact, regionally concentrated lending base. The deepest footprints are Minnesota (7 counties), Wisconsin (2 counties), Montana (1 county). Because Unity Bank is held under Kimberly Leasing Corp, its financials are open to scrutiny and its trend can be independently checked. Unity Bank's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. The Unity Bank score updates as fresh FDIC call reports post each quarter, so its 93/100 reading and 10-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Unity Bank is directly comparable to any lender in the country. Read against its 10-county reach, a severe score sets the credit tone for every market on its map. County by county, that footprint includes Hennepin County, MN, Polk County, MN, Clark County, WI, Morrison County, MN, among others DLRadar tracks parcel by parcel. Seven-day momentum reads stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. DLRadar does not model Unity Bank in isolation: the 213-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 10 counties, so a shift in the bank's severe posture can be read directly against on-the-ground distress.

The acquisition angle is simple — lending capacity is what moves deals. As Unity Bank tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. It is an early-warning read, flagging distress before it reaches the MLS.

Across the country DLRadar applies the identical model to every FDIC bank, then ties each institution to parcel-level foreclosure, lien and ownership data where it lends. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.