Unison Bank
Jamestown, ND · Cert 19396 · Peer group: banks under $1B in assets operating regionally (n=99) · McIntosh Cnty Bk Holding
State charter, non-member · FDIC · 1 affiliate bank · 4 branches (6 in holding)
Q2 2026
$596.9MAssets
$448.2MLoans
$499.1MDeposits
$51.1MEquity
Executive Summary
- Strongest standing: return on equity outperforms 79% of banks under $1B in assets operating regionally (rank 21 of 99).
- Widest gap: net charge-offs / loans trails 85% of banks under $1B in assets operating regionally (rank 85 of 99).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.29%
Rank 42 of 99
Net Interest Margin
3.71%
Rank 55 of 99
Efficiency Ratio
60.26%
Rank 41 of 99
Equity / Assets
8.57%
Rank 80 of 99
Non-interest income vs. expense
Unfavorable gap of $12.5M · efficiency ratio beats 60% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.29% | 0.82% | 1.19% | 1.48% | Beats 58% | 42 / 99 | |
| Return on Equity | 15.02% | 7.92% | 11.87% | 14.08% | Beats 79% | 21 / 99 | |
| Net Interest Margin | 3.71% | 3.44% | 3.80% | 4.18% | Beats 44% | 55 / 99 | |
| Efficiency Ratio | 60.26% | 55.83% | 62.41% | 73.02% | Beats 60% | 41 / 99 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.44% | 0.19% | 0.46% | 1.04% | Beats 55% | 46 / 99 | |
| Net Charge-Offs / Loans | 0.12% | 0.00% | 0.02% | 0.06% | Beats 15% | 85 / 99 | |
| Capital |
| Tier 1 Capital Ratio | 10.02% | 10.28% | 11.95% | 14.75% | Beats 18% | 81 / 99 | |
| Total Risk-Based Capital Ratio | 10.02% | 10.45% | 12.59% | 15.64% | Beats 16% | 83 / 99 | |
| Equity / Assets | 8.57% | 8.89% | 10.14% | 11.36% | Beats 19% | 80 / 99 | |
| Liquidity & Funding |
| Loans / Deposits | 89.80% | 74.57% | 84.03% | 94.55% | 71st pctl | 29 / 99 | |
| Loans / Assets | 75.09% | 62.55% | 71.25% | 78.99% | 62nd pctl | 38 / 99 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |