2UNIFI Bank: Vital Signs
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Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
On its Q3 2026 filing, 2UNIFI Bank reported 21 of the 23 line items on this page. It did not report reserve coverage of nonperforming loans and securities to assets. CET1 capital ratio was 142.66% in Q3 2026, up 65.89 percentage points from 76.76% in Q3 2025. Across the 12 quarters shown it ranged from 71.18% (Q1 2024) to 142.66% (Q3 2026).
The standout move of Q3 2026 was in Return on assets: 8.55 percentage points lower than in Q2 2026, at 1.29%. 2UNIFI Bank ranks 14th of 24 Wyoming banks on return on assets, in the lower half at 1.29% (Q3 2026). 2UNIFI Bank reported 1.29% on return on assets for Q3 2026, 0.31 points above the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
CET1 capital ratio moved most in this table, up 1.95 points: 140.71% in Q2 2026, 142.66% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 142.66% |
| Tier 1 risk-based capital ratio | 142.66% |
| Total risk-based capital ratio | 143.13% |
| Tier 1 leverage ratio | 38.45% |
| Equity capital to assets | 38.03% |
| Tangible equity to tangible assets | 38.03% |
Source: Call Report Schedule RC-R, Part I: CET1 capital ratio (RCOAP793), Tier 1 risk-based capital ratio (RCOA7206), Total risk-based capital ratio (RCOA7205), Tier 1 leverage ratio (RCOA7204).
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Asset quality
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to loans | 0.00% |
| Nonperforming assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.94% |
| Reserve coverage of nonperforming loans | — |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.29% |
| Return on equity | 3.37% |
| Net interest margin | 4.47% |
| Efficiency ratio | 33.73% |
| Yield on earning assets | 4.58% |
| Cost of funds | 3.83% |
Liquidity and funding
Deposits to assets moved most in this table, up 3.05 points: 0.32% in Q2 2026, 3.37% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 400.83% |
| Core deposits to total deposits | 100.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 3.37% |
| Securities to assets | — |
Vital Signs trend
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | 71.24% | 71.24% | 71.24% | 29.98% | 1.23% |
| Q1 2024 | 71.18% | 71.18% | 71.19% | 30.36% | 1.76% |
| Q2 2024 | 72.85% | 72.85% | 72.86% | 30.47% | 0.53% |
| Q3 2024 | 75.37% | 75.37% | 75.38% | 30.38% | 1.07% |
| Q4 2024 | 77.23% | 77.23% | 77.25% | 30.95% | 1.42% |
| Q1 2025 | 73.72% | 73.72% | 73.82% | 31.44% | 1.66% |
| Q2 2025 | 74.57% | 74.57% | 74.73% | 32.50% | 1.06% |
| Q3 2025 | 76.76% | 76.76% | 76.93% | 33.90% | 2.65% |
| Q4 2025 | 79.30% | 79.30% | 79.49% | 34.16% | 1.25% |
| Q1 2026 | 129.64% | 129.64% | 129.92% | 34.57% | 0.52% |
| Q2 2026 | 140.71% | 140.71% | 141.20% | 38.37% | 9.84% |
| Q3 2026 | 142.66% | 142.66% | 143.13% | 38.45% | 1.29% |
2UNIFI Bank vital signs, quarter by quarter
Vital Signs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full 2UNIFI Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 23826) · FFIEC NIC profile (RSSD 898458)