Bank Safety Analysis
Is 2UNIFI Bank Safe? Jackson, Wyoming
Based on its Q3 2026 call report, 2UNIFI Bank meets every capital ratio test for well capitalized, its Texas ratio is 0.00%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is 2UNIFI Bank safe?
On its Q3 2026 call report, 2UNIFI Bank's CET1 ratio is 142.66%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q3 2026): 142.66%
- Tier 1 leverage ratio (Q3 2026): 38.45%
- Texas ratio (Q3 2026): 0.00%
- Noncurrent loans ratio (Q3 2026): 0.00%
2UNIFI Bank is an FDIC-insured commercial bank (FDIC Certificate #23826). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report 2UNIFI Bank (FDIC Certificate #23826) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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2UNIFI Bank passes all 5 scorecard dimensions, but not every risk screen below is clear. 1 risk screen is flagged: loan-to-deposit ratio.
Return on assets dropped 8.55 percentage points in Q3 2026, from 9.84% to 1.29%. It was the largest change from Q2 2026 among the key lines here. 2UNIFI Bank has the highest CET1 ratio of the 15 banks headquartered in Wyoming, 142.66% as of Q3 2026. 2UNIFI Bank's CET1 ratio of 142.66% is well above the 19.96% median for banks in the < $100M asset tier, a gap of 122.70 points (Q3 2026).
From Q4 2023 to Q3 2026, 2UNIFI Bank's CET1 ratio ranged between 71.18% (Q1 2024) and 142.66% (Q3 2026) and its Texas ratio held at 0.00% in every quarter. Between Q3 2025 and Q3 2026, 2UNIFI Bank's CET1 ratio rose from 76.76% to 142.66%, nonperforming loan ratio (nonaccrual plus 90+ days past due) held at 0.00%, Texas ratio held at 0.00% and return on assets fell from 2.65% to 1.29%.
2UNIFI Bank ranks as the 23rd largest of the 24 banks based in Wyoming, by total assets at Q3 2026. Commercial and industrial loans are its largest loan category, $3.0M of $5.3M in total loans on its September 30, 2026 call report. Against the 567 banks with under $100M in assets for Q3 2026, 2UNIFI Bank's CET1 ratio of 142.66% is above the 19.96% median, Tier 1 leverage ratio of 38.45% is above the 12.88% median, nonperforming loans ratio of 0.00% is below the 0.36% median, Texas ratio of 0.00% is below the 1.89% median, and efficiency ratio of 33.73% is below the 69.32% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
2UNIFI Bank's 12-month failure risk score is <0.01 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does 2UNIFI Bank score on capital, credit and costs?
Peer cohort: Under $100M (568 banks) · Industry averages as of Q3 2026.
Median of the 567 banks with under $100M in assets, Q3 2026: 19.96%.
Median of the 567 banks with under $100M in assets, Q3 2026: 12.88%.
Median of the 567 banks with under $100M in assets, Q3 2026: 0.36%.
Median of the 567 banks with under $100M in assets, Q3 2026: 1.89%.
Median of the 567 banks with under $100M in assets, Q3 2026: 69.32%.
Does 2UNIFI Bank trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 142.66% | Within range |
| Texas ratio BankRegReports band | 0.00% | Within range |
| Nonperforming loan ratio BankRegReports band | 0.00% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 400.83% | Flagged |
| Commercial real estate to capital supervisory threshold | 7.76% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2026 | 142.66% |
| Q2 2026 | 140.71% |
| Q1 2026 | 129.64% |
| Q4 2025 | 79.30% |
| Q3 2025 | 76.76% |
| Q2 2025 | 74.57% |
| Q1 2025 | 73.72% |
| Q4 2024 | 77.23% |
| Q3 2024 | 75.37% |
| Q2 2024 | 72.85% |
| Q1 2024 | 71.18% |
| Q4 2023 | 71.24% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 0.00% |
| Q2 2026 | 0.00% |
| Q1 2026 | 0.00% |
| Q4 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q1 2025 | 0.00% |
| Q4 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q2 2024 | 0.00% |
| Q1 2024 | 0.00% |
| Q4 2023 | 0.00% |
Loans by type, Q3 2026
- Commercial and industrial loans: $3.0M
- Owner-occupied commercial real estate loans: $1.2M
- Non-owner-occupied commercial real estate loans: $1.2M
How have 2UNIFI Bank's safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Sep 30, 2026 | $39.5M | 142.66% | 38.45% | 0.00% | 0.00% | 33.73% |
| Jun 30, 2026 | $38.5M | 140.71% | 38.37% | 0.00% | 0.00% | 38.70% |
| Mar 31, 2026 | $38.9M | 129.64% | 34.57% | 0.00% | 0.00% | 91.82% |
| Dec 31, 2025 | $39.2M | 79.30% | 34.16% | 0.00% | 0.00% | 83.47% |
| Sep 30, 2025 | $39.4M | 76.76% | 33.90% | 0.00% | 0.00% | 69.79% |
| Jun 30, 2025 | $39.1M | 74.57% | 32.50% | 0.00% | 0.00% | 82.30% |
| Mar 31, 2025 | $41.1M | 73.72% | 31.44% | 0.00% | 0.00% | 72.48% |
| Dec 31, 2024 | $40.9M | 77.23% | 30.95% | 0.00% | 0.00% | 76.98% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is 2UNIFI Bank FDIC insured?
Yes. 2UNIFI Bank is an FDIC-insured commercial bank (FDIC Certificate #23826). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is 2UNIFI Bank well capitalized?
On its Q3 2026 call report, 2UNIFI Bank's CET1 ratio is 142.66%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the Federal Reserve, applies.
What are 2UNIFI Bank's key safety ratios?
For Q3 2026, 2UNIFI Bank reports CET1 142.66%, leverage 38.45%, Texas ratio 0.00%, noncurrent loans 0.00%. Its Texas ratio compares with the 1.89% median for the 567 banks with under $100M in assets.
What happens to my deposits if 2UNIFI Bank fails?
For Q3 2026, 2UNIFI Bank reported $1.3M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full 2UNIFI Bank profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
Every ratio 2UNIFI Bank is graded on is inside its pass band. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 23826) · FFIEC NIC profile (RSSD 898458)
Explore: Full 2UNIFI Bank profile · Other banks in WY · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.