2unifi Bank
Total assets
$38.5M
▼ -1.7% YoY
Deposits
$124K
▼ -87.6% YoY
Loans
$5.5M
▲ +133.9% YoY
Offices
1
NATIONAL BANK HOLDINGS CORP
ROA (annualized)
5.18%
peers 0.99%
ROE (annualized)
14.13%
peers 8.07%
Peer comparison 537 banks with <100M in assets
| Metric | 2unifi Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.7% | +3.0% | -4.7 pts |
| Deposit growth (YoY) | -87.6% | +2.5% | -90.1 pts |
| Loan growth (YoY) | +133.9% | +2.6% | +131.3 pts |
| ROA | 5.18% | 0.99% | +4.2 pts |
| ROE | 14.1% | 8.1% | +6.1 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
Profile
- Established
- 1982
- Charter
- State
- Primary regulator
- FED
- Holding company
- NATIONAL BANK HOLDINGS CORP
- Specialization
- Other Specialized Under 1 Billion
- Address
- 990 W Broadway, Jackson, WY, 83001
- County
- Teton
- Metro area
- Jackson, WY-ID
- Offices
- 1
- FDIC cert #
- 23826
- RSSD ID
- 898458
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $38.5M | $124K | $5.5M | $14.9M | $1.0M | 5.18% | 4.63% | 0.00% |
| Q1 2026 | $38.9M | $1.1M | $2.3M | $13.9M | $51K | 0.52% | 4.65% | 0.00% |
| Q4 2025 | $39.2M | $1.0M | $2.3M | $13.9M | $659K | 1.65% | 4.87% | 0.00% |
| Q3 2025 | $39.4M | $1.0M | $2.3M | $13.8M | $536K | 1.78% | 4.70% | 0.00% |
| Q2 2025 | $39.1M | $1.0M | $2.4M | $13.5M | $276K | 1.37% | 4.55% | 0.00% |
| Q1 2025 | $41.1M | $2.8M | $1.3M | $13.4M | $170K | 1.66% | 4.47% | 0.00% |
| Q4 2024 | $40.9M | $2.7M | $149K | $13.2M | $486K | 1.20% | 4.87% | 0.00% |
| Q3 2024 | $41.1M | $2.7M | $156K | $13.1M | $340K | 1.12% | 4.92% | 0.00% |
Loan mix (Q2 2026): real estate $2.3M · commercial $3.3M · consumer $0 · securities $0
Ratio pack Q2 2026 · peer medians from 537 institutions
Profitability
| Ratio | 2unifi Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 5.18% | 0.99% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 14.1% | 8.1% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.63% | 3.88% | 77th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.7% | 70.8% | 24th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | 2unifi Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | 2unifi Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | 2unifi Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | 2unifi Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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