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Unison Bank

Jamestown, ND · Cert 19396 · 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
Loan mix
82%RE $304.2M6%C&I $21.4M12%Consumer $45.8MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $377.8M24%Noninterest $121.3MQ2 2025Q2 2026

NIM

4.98%Q2 ’245.46%Q2 ’255.49%Q2 ’26+21%+9%

Non-interest income vs. expense

2.12%Q2 ’242.22%Q2 ’252.31%Q2 ’26+4%+5%

Market Position · Phoenix-Mesa-Chandler, AZ · 2026 SOD (annual) · 0.0% share · #50 of 55 inst. · $0.1B of $192.0B

34.5% Stutsman
38.4% McIntosh
0.0% Maricopa
11.9% Emmons

Executive Summary

  • Earnings: ROA of 1.50%, up 30 bps year over year; NIM at 3.86%.
  • Asset quality: problem loans at 0.44% of loans (-7 bps YoY), with net charge-offs at 0.10%.
  • Capital: tier 1 leverage ratio of 10.02%, up 98 bps from a year ago.
  • Funding: loans stand at 89.80% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.50%+30 bps YoY

Net Interest Margin (quarter, annualized)

3.86%+33 bps YoY

Efficiency Ratio (quarter, annualized)

53.65%-223 bps YoY

Tier 1 Leverage Ratio

10.02%+98 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.20%1.18%1.08%1.07%1.50%+30 bps
Return on Equity17.45%16.31%14.05%13.21%17.87%+42 bps
Net Interest Margin3.53%3.54%3.46%3.56%3.86%+33 bps
Efficiency Ratio55.88%60.56%62.69%65.05%53.65%-223 bps
Non-Interest Burden1.81%2.00%2.04%2.20%1.90%+9 bps
Growth
Asset Growth (YoY)3.25%1.86%4.18%2.82%2.71%-54 bps
Loan Growth (YoY)8.03%6.46%0.83%1.84%2.83%-519 bps
Deposit Growth (YoY)1.76%3.88%5.37%5.12%4.42%+266 bps
Asset Quality
Nonperforming Loans / Loans0.51%0.57%0.39%0.28%0.44%-7 bps
Net Charge-Offs / Loans0.01%0.01%0.35%0.38%0.10%+9 bps
Allowance / Loans1.39%1.40%1.35%1.23%1.17%-22 bps
Allowance Coverage of NPLs2.7x2.4x3.5x4.3x2.7x-0.1x
Capital
Tier 1 Leverage Ratio9.04%9.15%9.41%9.62%10.02%+98 bps
Total Risk-Based Capital12.40%12.81%13.35%13.40%10.02%-238 bps
Equity / Assets6.91%7.53%7.90%8.28%8.57%+165 bps
Liquidity & Funding
Loans / Deposits91.19%89.20%83.81%84.05%89.80%-139 bps
Liquid Assets / Assets0.04%1.52%5.80%5.01%1.76%+172 bps
CRE / Total Capitaln/a361%343%337%n/an/a