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BDI
CU

Community Unity Bank

Birmingham, MichiganFDIC Cert #59305

STATEEstablished 20231 branch

Holding company: Not reportedRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$3.22M
Investor CRE$26.9M
Multifamily$4.2M
Construction$1.79M
1–4 family$15.7M
C&I$9.72M
Agriculture$0
Other

Loan book

Reported balances and balance-sheet intensity.

Gross loans
$61.4M
+51.1%y/y
Percentile by value20th percentileby value
Peer standing in FFIEC UBPR Peer Group 2023 — Denovo banks opened in 2023 having assets less than $750 million
FDICLNLSGR
Net loans
$60.7M
+51.1%y/y
Percentile by value20th percentileby value
Peer standing in FFIEC UBPR Peer Group 2023 — Denovo banks opened in 2023 having assets less than $750 million
FDICLNLSNET
Loans YoY
+51.08%
−75.8%y/y
Percentile by value40th percentileby value
Peer standing in FFIEC UBPR Peer Group 2023 — Denovo banks opened in 2023 having assets less than $750 million
FDICLNLSNET
L/D
82.5%
−9.9%y/y
Percentile by value40th percentileby value
Peer standing in FFIEC UBPR Peer Group 2023 — Denovo banks opened in 2023 having assets less than $750 million
FDICLNLSNET + DEP
Loans/assets
63.7%
+6.4%y/y
Percentile by value40th percentileby value
Peer standing in FFIEC UBPR Peer Group 2023 — Denovo banks opened in 2023 having assets less than $750 million
FDICLNLSNET + ASSET
RE loans %
89.41%
−11.4%y/y
Percentile by value80th percentileby value
Peer standing in FFIEC UBPR Peer Group 2023 — Denovo banks opened in 2023 having assets less than $750 million
FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital
156%
+112.8%y/y

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC
Construction/capital
9%

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC
Loan HHI
2,926points
−19.7%y/y
Peer standing0th percentile
Peer standing in FFIEC UBPR Peer Group 2023 — Denovo banks opened in 2023 having assets less than $750 million
FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD
Owner CRE %
5.25%
−53.2%y/y
Percentile by value20th percentileby value
Peer standing in FFIEC UBPR Peer Group 2023 — Denovo banks opened in 2023 having assets less than $750 million
FDICLNRENROW + LNLSGR
Investor CRE %
43.77%
+9.3%y/y
Percentile by value100th percentileby value
Peer standing in FFIEC UBPR Peer Group 2023 — Denovo banks opened in 2023 having assets less than $750 million
FDICLNRENROT + LNLSGR
C&I %
15.82%
+166.8%y/y
Percentile by value40th percentileby value
Peer standing in FFIEC UBPR Peer Group 2023 — Denovo banks opened in 2023 having assets less than $750 million
FDICLNCI + LNLSGR