UNITY BANCSHARES L L C is the bank holding company. ST. JOHNS BANK AND TRUST COMPANY is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

UNITY BANCSHARES L L C

Legal name: UNITY BANCSHARES, L.L.C.

1 active bank · $296M combined assets

RSSD ID: 2630746 (FFIEC NIC)

Combined Assets

$296M

CRA Rating Summary

Satisfactory1charter

Across all 12 exams on record for this holding company's charters, 83% resulted in Outstanding or Satisfactory.

Primary bankST. JOHNS BANK AND TRUST COMPANYSAINT LOUIS, MOSatisfactory$296MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$296M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$258M

Net Income

$546K

ROA (avg)

0.73%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

Origination Rate

64.58%

Denial Rate

16.67%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Current Rating	Exam Date
ST. JOHNS BANK AND TRUST COMPANY	SAINT LOUIS, MO	FDIC	$296M	Satisfactory	Dec 2022

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.