Unison Bank
Total assets
$596.9M
▲ +2.7% YoY
Deposits
$499.1M
▲ +4.4% YoY
Loans
$442.9M
▲ +3.1% YoY
Offices
4
MCINTOSH CNTY BK HOLDING
ROA (annualized)
1.29%
peers 1.28%
ROE (annualized)
15.59%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | Unison Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +4.9% | -2.2 pts |
| Deposit growth (YoY) | +4.4% | +4.3% | +0.1 pts |
| Loan growth (YoY) | +3.1% | +5.3% | -2.3 pts |
| ROA | 1.29% | 1.28% | +0.0 pts |
| ROE | 15.6% | 12.4% | +3.2 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
Profile
- Established
- 1965
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- MCINTOSH CNTY BK HOLDING
- Specialization
- Commercial Lending Specialization
- Address
- 401 1st Ave S, Jamestown, ND, 58401
- County
- Stutsman
- Metro area
- Jamestown, ND
- Offices
- 4
- FDIC cert #
- 19396
- RSSD ID
- 676151
- 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 | $596.9M | $499.1M | $442.9M | $51.1M | $3.8M | 1.29% | 4.02% | 0.33% |
| Q1 2026 | $596.1M | $510.4M | $423.7M | $49.3M | $1.6M | 1.07% | 3.86% | 0.20% |
| Q4 2025 | $599.4M | $500.9M | $414.1M | $47.3M | $6.1M | 1.05% | 3.75% | 0.27% |
| Q3 2025 | $591.0M | $485.1M | $426.7M | $44.5M | $4.5M | 1.04% | 3.74% | 0.42% |
| Q2 2025 | $581.1M | $478.0M | $429.8M | $40.2M | $2.8M | 0.97% | 3.67% | 0.38% |
| Q1 2025 | $579.7M | $485.5M | $415.4M | $39.7M | $1.1M | 0.73% | 3.48% | 0.41% |
| Q4 2024 | $575.3M | $475.4M | $410.0M | $40.0M | $4.7M | 0.80% | 3.27% | 0.56% |
| Q3 2024 | $580.2M | $467.0M | $399.6M | $42.3M | $3.5M | 0.80% | 3.21% | 1.03% |
Loan mix (Q2 2026): real estate $324.6M · commercial $12.9M · consumer $50.5M · securities $102.9M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Unison Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 1.28% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 15.6% | 12.4% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.02% | 3.89% | 56th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.1% | 61.2% | 43th | |
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 | Unison 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 | Unison 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 | Unison 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 | Unison 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.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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