BlastPoint's Banking Scorecard

Unity Bank

$100M-$1B Specialty: Agricultural WI FDIC cert 8714

Augusta, WI

13 branches across MN · WI · MT

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 110 in WI.
Deposits -6.6% year over year ($509.6M on the books).
Delinquency rate 8.67%.
Return on assets 0.03%.
Efficiency ratio 94.11% vs a 64.48% peer average.
Loan-to-deposit ratio 82.92% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 110 in WI

View $100M-$1B leaderboard (WI) →

Unity Bank faces 6 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 19.1% in tier
- Return on Assets 1.30% below tier average
- Efficiency Ratio 29.64% above tier average
- Delinquency Rate 7.75% above tier average
- Nonperforming Asset Ratio 6.02% above tier average
- Net Interest Margin 0.07% below tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$574.8M -7.9% YoY -2.2% QoQ	+$188.2M	$386.6M +1.2% YoY	$1.2B +13.5% YoY	$6.3B +7.7% YoY	79%
Total Loans ?	$422.6M -10.7% YoY -1.9% QoQ	+$164.2M	$258.3M +1.7% YoY	$860.4M +13.3% YoY	$3.2B +9.4% YoY	81%
Total Deposits ?	$509.6M -6.6% YoY -1.4% QoQ	+$182.9M	$326.7M +0.7% YoY	$935.5M +13.1% YoY	$4.9B +7.3% YoY	81%
Return on Assets ?	0.03% +104.6% YoY -39.5% QoQ	-1.30%	1.32% +10.8% YoY	1.56% +18.6% YoY	1.30% +12.1% YoY	Bottom 3.4% in tier
Net Interest Margin ?	3.91% +1.3% YoY -0.1% QoQ	-0.07%	3.99% +5.0% YoY	3.83% +8.5% YoY	3.95% +4.9% YoY	49%
Efficiency Ratio ?	94.11% +15.7% YoY +0.8% QoQ	+29.64%	64.48% -3.2% YoY	62.90% -5.1% YoY	70.05% +2.5% YoY	Bottom 3.6% in tier
Delinquency Rate ?	8.67% +29.8% YoY +4.7% QoQ	+7.75%	0.92% +15.7% YoY	0.85% +12.5% YoY	0.98% +16.3% YoY	Bottom 0.4% in tier
Loan-to-Deposit Ratio ?	82.92% -4.4% YoY -0.5% QoQ	+4.97%	77.95% +1.0% YoY	87.22% +0.9% YoY	79.03% +2.3% YoY	43%
Non-Interest-Bearing Deposit Share ?	18.02% +0.3% YoY +0.5% QoQ	-4.01%	22.03% -0.6% YoY	18.65% -1.9% YoY	21.98% -0.6% YoY	36%
Nonperforming Asset Ratio ?	6.69% +32.0% YoY +4.8% QoQ	+6.02%	0.67% +16.4% YoY	0.63% +16.4% YoY	0.69% +15.8% YoY	Bottom 0.5% in tier
Tier 1 Capital Ratio ?	12.16% +3.2% YoY +2.1% QoQ	-3.75%	15.91% +1.4% YoY	15.02% +1.5% YoY	17.09% +0.8% YoY	38%
Non-Interest Income / Assets ?	0.17% +1.1% YoY +103.8% QoQ	-0.40%	0.57% +7.6% YoY	2.21% +12.7% YoY	0.66% +5.2% YoY	40%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Noninterest-Bearing	18.0% +0.1pp YoY +0.1pp QoQ	-4.1pp	22.1%	18.9%	22.2%	36%
Brokered Deposits	2.1% -2.8pp YoY -1.0pp QoQ	-5.8pp	7.9%	9.2%	8.5%	30%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
C&I	7.6% -1.0pp YoY -0.1pp QoQ	-4.0pp	11.6%	10.5%	12.5%	37%
CRE	49.4% +4.2pp YoY +0.5pp QoQ	+9.9pp	39.5%	46.4%	41.4%	69%
1-4 Family	12.2% -0.6pp YoY -0.1pp QoQ	-20.4pp	32.6%	32.3%	31.3%	14%
Consumer	1.2% -0.4pp YoY -0.1pp QoQ	-3.0pp	4.1%	2.6%	5.0%	32%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
CET1 Ratio	12.2% +0.4pp YoY +0.3pp QoQ	-6.7pp	18.8%	15.5%	19.7%	19%
Leverage Ratio	8.8% -0.1pp YoY +0.3pp QoQ	-3.4pp	12.2%	12.6%	12.6%	9%
Total Capital Ratio	13.4% +0.4pp YoY +0.3pp QoQ	-6.5pp	19.9%	16.6%	20.8%	21%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Full-Time Employees	125 -13 (-9.4%) YoY -8 (-6.0%) QoQ	+66	58	134	482	94%
Assets per Employee ($)	$4.6M +1.7% YoY +4.1% QoQ	-$2.9M	$7.5M	$8.2M	$8.8M	9%
Branch Count	13 -2 (-13.3%) YoY 0 QoQ	+8	4	9	18	96%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -0.2pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.4%	0.4%	6%
Nonaccrual	8.7% +2.2pp YoY +0.4pp QoQ	+7.7pp	0.9%	0.9%	1.0%	100%
Allowance Coverage	0.39x +27.0% YoY -2.5% QoQ	-23.77x	24.15x	56.89x	20.23x	6%
Net Charge-off Rate (YTD)	0.5% +0.4pp YoY -0.3pp QoQ	+0.4pp	0.1%	0.0%	0.2%	94%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
ROE	0.3% +6.6pp YoY -0.2pp QoQ	-11.9pp	12.2%	11.8%	11.6%	4%
Cost of Funds (YTD)	1.9% -0.3pp YoY -0.1pp QoQ	+0.1pp	1.7%	1.8%	1.7%	61%
Net Income ($, YTD)	$80,000 +104.3% YoY — QoQ	-$2.5M	$2.6M	$7.9M	$40.4M	4%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Deposit Outflow

decline

#103 of 535 • Bottom 19.1% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

494

Total Loans

size

Value: $422.56M

Peer Median: $258.35M

#494 of 2643 Top 18.7% in $100M-$1B

506

Total Deposits

size

Value: $509.58M

Peer Median: $326.73M

#506 of 2643 Top 19.1% in $100M-$1B

567

Total Assets

size

Value: $574.75M

Peer Median: $386.57M

#567 of 2643 Top 21.4% in $100M-$1B

Top Weaknesses (4 metrics)

2623

Delinquency Rate

credit_quality

Value: 8.67%

Peer Median: 0.92%

#2623 of 2633 Bottom 0.4% in $100M-$1B

2632

Nonperforming Asset Ratio

credit_quality

Value: 6.69%

Peer Median: 0.67%

#2632 of 2643 Bottom 0.5% in $100M-$1B

2553

Return on Assets

profitability

Value: 0.03%

Peer Median: 1.32%

#2553 of 2643 Bottom 3.4% in $100M-$1B

2549

Efficiency Ratio

profitability

Value: 94.11%

Peer Median: 64.48%

#2549 of 2643 Bottom 3.6% in $100M-$1B