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

Latest reported loan balances by category
Category	Balance
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

FDICLNLSGR

Net loans

$60.7M

+51.1%y/y

Percentile by value20th percentileby value

FDICLNLSNET

Loans YoY

+51.08%

−75.8%y/y

Percentile by value40th percentileby value

FDICLNLSNET

L/D

82.5%

−9.9%y/y

Percentile by value40th percentileby value

FDICLNLSNET + DEP

Loans/assets

63.7%

+6.4%y/y

Percentile by value40th percentileby value

FDICLNLSNET + ASSET

RE loans %

89.41%

−11.4%y/y

Percentile by value80th percentileby value

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

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

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

5.25%

−53.2%y/y

Percentile by value20th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

43.77%

+9.3%y/y

Percentile by value100th percentileby value

FDICLNRENROT + LNLSGR

C&I %

15.82%

+166.8%y/y

Percentile by value40th percentileby value

FDICLNCI + LNLSGR