Unity Bank (FDIC #8714): Bank Stress & Real-Estate Credit Exposure
Unity Bank (FDIC Cert #8714): bank stress 93/100, severe, STABLE over 7 days; parent KIMBERLY LEASING CORP.
Unity Bank (#8714) lends in 10 counties across 3 states; Unity Bank (#8714) reaches 213 ZIP codes: Minnesota 7 counties, 164 ZIPs; Wisconsin 2 counties, 34 ZIPs; Montana 1 county, 15 ZIPs.
Unity Bank (#8714) largest markets: Hennepin County, MN (73 branches, 73 ZIPs) (#8714), Polk County, MN (25 branches, 25 ZIPs) (#8714), Clark County, WI (21 branches, 21 ZIPs) (#8714), Morrison County, MN (40 branches, 20 ZIPs) (#8714), Todd County, MN (38 branches, 19 ZIPs) (#8714), Crow Wing County, MN (18 branches, 18 ZIPs) (#8714).
Unity Bank (#8714) reports $574.8 million in total assets; Unity Bank (#8714) equity $52.0 million (9.0% of Unity Bank (#8714) assets); Unity Bank (#8714) domestic deposits $509.6 million; Unity Bank (#8714) net income $80,000; Unity Bank (#8714) return on assets 0.03%; Unity Bank (#8714) return on equity 0.31%; Unity Bank (#8714) net interest income $10.9 million; Unity Bank (#8714) call report June 30, 2026.
Unity Bank (#8714) noncurrent real-estate loans 0.50% of its book; Unity Bank (#8714) multifamily 3.48%; Unity Bank (#8714) residential 0.23%; Unity Bank (#8714) net charge-offs on real estate 8.40%; Unity Bank (#8714) residential charge-offs 1.03%.
Unity Bank (#8714) net interest margin 3.91% against an eight-quarter Unity Bank (#8714) average of 3.86% (Unity Bank (#8714) compression -0.05 points); Unity Bank (#8714) real-estate loans 50.2% of equity; Unity Bank (#8714) non-residential real estate 103.3% of equity; Unity Bank (#8714) rate-exposure score 40/100, Unity Bank (#8714) fixed-rate trap 40/100; Unity Bank (#8714) risk type credit driven; Unity Bank (#8714) rate regime rates elevated, Unity Bank (#8714) snapshot October 20, 2026.
Unity Bank (#8714) stress score moved from 91.8 on June 22, 2026 to 92.7 on October 20, 2026; Unity Bank (#8714) ranged 91.8 to 92.7 over 117 snapshots.
Unity Bank (#8714) alerts: 10 counties; top Unity Bank (#8714) alert scores: Crosby County, WI 28 (low); Fall Creek County, WI 28 (low); Mentor County, WI 28 (low); Minneapolis County, WI 28 (low); Neillsville County, WI 28 (low).