2UNIFI Bank
2UNIFI Bank is an FDIC-insured commercial bank headquartered in Jackson, WY, supervised by the Federal Reserve, with $39.5M in total assets at Q3 2026, up 0.3% from Q3 2025, the 23rd largest of 24 banks headquartered in Wyoming. It was established in 1982 and holds FDIC certificate 23826.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 23826
- Headquarters
- Jackson, WY
- Established
- 1982
- Total assets, Q3 2026
- $39.5M
- Assets vs Q3 2025
- +0.3%
- Capital ratio
- Not reported
- Domestic offices
- 1 branch
- Routing number
- 102107584
- Latest call report
- Q3 2026, FFIEC 051 · 2UNIFI Bank call report
- Holding company
- NATIONAL BANK HOLDINGS CORPORATION
- Asset rank in state
- 23rd of 24 in Wyoming
2UNIFI Bank runs leaner than most banks of its size. It reported $40 million in assets at September 30, 2026. It spends about 34 cents to bring in each dollar of revenue, about half the median of 68 cents for the 526 banks with less than $100 million in assets. On the other hand, it pays an average of 3.83% on its deposits and borrowings, 2.4 times the median of 1.58% for banks its size.
Earnings fell sharply: quarterly net income of $126,000 was 52% below a year earlier. Profitability lags: it returns 3.4% a year on shareholders' equity, about a third the median of 8.8% for banks its size.
As of September 30, 2026, 2UNIFI Bank reported a CET1 capital ratio of 142.66%, a return on assets of 1.29%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q3 2026, 2UNIFI Bank is the 23rd largest of the 24 banks headquartered in Wyoming. Between Q2 2026 and Q3 2026, its total assets rose 2.7% to $39.5M, loans fell 3.9% and deposits rose 973.4%. The largest part of its loan book on September 30, 2026 was commercial and industrial loans, at 55.9% of total loans, ahead of owner-occupied commercial real estate loans at 22.2%. The FDIC Summary of Deposits lists a single office for it, in Jackson, WY. On its Q3 2026 call report, 2UNIFI Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 990 W Broadway, Jackson, WY 83001
- County
- Teton
- Metro Area
- Jackson, WY-ID
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- June 1, 1982
- Former names
- Bank Of Jackson Hole Trust (2022-2026); Bank of Jackson Hole (1985-2022)
- Domestic offices
- 1 branch
- Employees (FTE)
- 1
- Domestic deposits
- $1.3M
- Allowance for credit losses
- $50K
- Net charge-offs (YTD)
- $0
- Average total assets
- $39.1M
- Average total loans
- $5.3M
- Average interest-bearing deposits
- $514K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- June 1, 1982
- FDIC Cert
- 23826
- Fed RSSD
- 898458
- SEC CIK
- 1475841 → filed by NATIONAL BANK HOLDINGS CORPORATION
- Website
- www.2ufi.com →
- Parent Holding Company
- NATIONAL BANK HOLDINGS CORPORATION (RSSD 3973888) · NBHC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Laney G. Timothy | CEO | CHIEF EXECUTIVE OFFICER |
| Aldis Birkans | PRES | PRESIDENT |
| Van Denabeele Nicole | CFO | CHIEF FINANCIAL OFFICER |
| Richard U Newfield Jr. | CRO | CHIEF RISK MGMT OFFICER |
Profitability
Q3 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Watch 2UNIFI Bank: get a note when its numbers change. Free, no card required.
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures
Quarterly trends
Over the 12 quarters to Q3 2026, 2UNIFI Bank's total assets ran between $38.5M (Q2 2026) and $41.5M (Q2 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$39.5M total assets against $39.4M; $24.5M total liabilities against $25.6M.
$5.3M net loans and leases against $2.3M; $1.3M total deposits against $1.0M.
$0 securities against $0; $33.8M cash and balances due against $26.8M.
$249K total interest income against $236K; $6K total interest expense against $0.
$243K net interest income against $236K.
$6K total noninterest income against $1.0M; $84K total noninterest expense against $896K.
-$2K provision for credit losses against $2K.
$126K net income against $260K.
1.29% return on assets against 2.65%; 4.47% net interest margin against 5.26%.
142.66% CET1 capital ratio against 76.76%; 38.45% tier 1 leverage ratio against 33.90%.
Inside the full 2UNIFI Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q3 2026, its return on assets ran from 0.52% (Q1 2026) to 9.84% (Q2 2026) and its net interest margin ran from 4.26% (Q2 2026) to 5.26% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 142.66% | 1.29% | 0.00% | 0.00% | 4.47% |
| Q2 2026 | 140.71% | 9.84% | 0.00% | 0.00% | 4.26% |
| Q1 2026 | 129.64% | 0.52% | 0.00% | 0.00% | 4.58% |
| Q4 2025 | 79.30% | 1.25% | 0.00% | 0.00% | 4.74% |
| Q3 2025 | 76.76% | 2.65% | 0.00% | 0.00% | 5.26% |
| Q2 2025 | 74.57% | 1.06% | 0.00% | 0.00% | 4.67% |
| Q1 2025 | 73.72% | 1.66% | 0.00% | 0.00% | 4.47% |
| Q4 2024 | 77.23% | 1.42% | 0.00% | 0.00% | 4.48% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Jackson Hole Trust | Jackson , WY | 83001 | $124K |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (SEC Form 8-K)
- September 18, 2025, SEC Form 8-K: 8-K Item 1.01: memorandum of understanding
- Period: Most recent institution action September 18, 2025. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in WY, rank 44 of 44 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 203 applications, 181 loans originated, $207.3M originated, across 15 states
- Period: Calendar year 2022. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $50K approved, $50K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about 2UNIFI Bank
What are 2UNIFI Bank's total assets?
As of the Q3 2026 filing, 2UNIFI Bank reported total assets of $39.5 million in its FFIEC call report.
Where is 2UNIFI Bank headquartered?
It is headquartered in Jackson, WY, United States.
When was 2UNIFI Bank founded?
It was established in 1982, per the FDIC institution directory.
Is 2UNIFI Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #23826). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates 2UNIFI Bank?
2UNIFI Bank's primary federal regulator is the Federal Reserve.
What is 2UNIFI Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 142.66% in its Q3 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does 2UNIFI Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is 2UNIFI Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q3 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures nonperforming assets against the bank's capital and reserves.
What was 2UNIFI Bank previously called?
The charter now named 2UNIFI Bank has also operated as Bank Of Jackson Hole Trust (2022-2026), Bank of Jackson Hole (1985-2022), per FDIC structure-change records.
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