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Unison Bank
Jamestown, ND · FDIC Certificate #19396 · Chartered 03/1
Total assets
$596.86M
Total deposits
$499.10M
Total equity
$51.12M
Net loans
$442.95M
Branches (offices)
4
Net income (YTD)
$3.84M
Rank: #1,563 of 4,213 U.S. banks by assets · #19 of 60 in North Dakota. Assets changed 2.7% and deposits 4.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.29% |
| Return on equity | 15.59% |
| Net interest margin (YTD) | 4.02% |
| Equity to assets | 8.57% |
| Tier 1 leverage ratio | 10.02% |
| Uninsured deposits (share of deposits) | 33.6% |
| Noncurrent loans (share of loans) | 0.44% |
| Net charge-offs (share of loans) | 0.24% |
| Loans to deposits | 88.7% |
| Real estate loans (share of loans) | 73.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $324.59M | 73.3% | |
| Commercial & industrial | $12.88M | 2.9% | |
| Consumer / individual | $50.50M | 11.4% | |
| Construction & development | $74.39M | 16.8% | |
| Agricultural | $59.09M | 13.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $534.78M | $437.43M | $3.12M | $34.92M |
| Jun 2023 | $547.53M | $460.22M | $3.42M | $33.86M |
| Jun 2024 | $562.84M | $469.70M | $2.21M | $37.94M |
| Jun 2025 | $581.13M | $477.96M | $2.80M | $40.17M |
| Jun 2026 | $596.86M | $499.10M | $3.84M | $51.12M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Dakota | $437.08M | 3 |
| Arizona | $62.02M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $499.10M.
Similar-sized banks
Pineland Bank ($597.07M) · Gulf Capital Bank ($596.45M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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