BlastPoint's Banking Scorecard
Unity Bank
Community
Specialty: Agricultural
WI
FDIC cert 8714
Augusta, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
Unity Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 3% in Community
- - Return on Assets 2.22% below tier
- - Delinquency Rate 6.96% above tier
- - Nonperforming Asset Ratio 5.17% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$611.8M
-4.0% YoY
+0.9% QoQ
|
-$779.7M |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
16% |
| Total Loans ? |
$456.5M
-6.4% YoY
-1.5% QoQ
|
-$519.0M |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
24% |
| Total Deposits ? |
$538.0M
-0.8% YoY
+2.0% QoQ
|
-$626.6M |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
19% |
| Return on Assets ? |
-1.06%
-208.8% YoY
-331.0% QoQ
|
-2.22% |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
3.87%
-0.6% YoY
-0.6% QoQ
|
+0.21% |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
64% |
| Efficiency Ratio ? |
83.12%
+10.2% YoY
+2.2% QoQ
|
+20.49% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 8% in tier |
| Delinquency Rate ? |
7.59%
+81.7% YoY
-0.1% QoQ
|
+6.96% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
84.85%
-5.6% YoY
-3.5% QoQ
|
+1.79% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
17.72%
+10.2% YoY
+0.6% QoQ
|
-3.33% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
37% |
| Nonperforming Asset Ratio ? |
5.66%
+77.2% YoY
-2.5% QoQ
|
+5.17% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
11.39%
-11.1% YoY
-6.9% QoQ
|
+1.15% |
10.24%
-0.6% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
40% |
| Non-Interest Income / Assets ? |
0.34%
-35.6% YoY
+28.6% QoQ
|
-0.40% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
28% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Efficiency Drag
risk
#5 of 152 · Bottom 3% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
83.12%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank declining
Return on Assets
metric
Bottom 1%
in Community
Why this stands out
Current:
-1.06%
(Tier avg: 1.16%, National avg: 1.12%)
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
7.59%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
5.66%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
64
64th pctile
Net Interest Margin
Current: 3.87% · Tier avg: 3.66%
50
50th pctile
Loan-to-Deposit Ratio
Current: 84.85% · Tier avg: 83.06%
40
40th pctile
Tier 1 Capital Ratio
Current: 11.39% · Tier avg: 10.24%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 17.72% · Tier avg: 21.05%
28
28th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.74%
24
24th pctile
Total Loans
Current: $456.5M · Tier avg: $975.5M
19
19th pctile
Total Deposits
Current: $538.0M · Tier avg: $1.2B
16
16th pctile
Total Assets
Current: $611.8M · Tier avg: $1.4B
8
8th pctile
Efficiency Ratio
Current: 83.12% · Tier avg: 62.63%
1
1th pctile
Return on Assets
Current: -1.06% · Tier avg: 1.16%
0
0th pctile
Delinquency Rate
Current: 7.59% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 5.66% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 5.66% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 7.59% · Tier avg: 0.63%
1
1th pctile
Return on Assets
Current: -1.06% · Tier avg: 1.16%
8
8th pctile
Efficiency Ratio
Current: 83.12% · Tier avg: 62.63%
16
16th pctile
Total Assets
Current: $611.8M · Tier avg: $1.4B
19
19th pctile
Total Deposits
Current: $538.0M · Tier avg: $1.2B
24
24th pctile
Total Loans
Current: $456.5M · Tier avg: $975.5M
28
28th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.74%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 17.72% · Tier avg: 21.05%
40
40th pctile
Tier 1 Capital Ratio
Current: 11.39% · Tier avg: 10.24%
50
50th pctile
Loan-to-Deposit Ratio
Current: 84.85% · Tier avg: 83.06%
64
64th pctile
Net Interest Margin
Current: 3.87% · Tier avg: 3.66%