UNISON BANK

JAMESTOWN, ND | Medium | Est. March 15, 1965, midnight | FDIC #19396 | RSSD #676151 | FDIC
Latest Report: 2025-12-31

UNISON BANK is amn medium FDIC-insured commercial bank headquartered in JAMESTOWN, ND, established in March 15, 1965, midnight. As of 2025-12-31, the bank reported total assets of $599M and total deposits of $501M. Profitability stands at 1.08% ROA and 14.05% ROE, with a net interest margin of 3.78%. The bank's CET1 capital ratio is 12.13%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.36% and a Texas Ratio of 2.83%. FDIC Certificate #19396.

Assets

$599M

Deposits

$501M

Loans

$420M

Equity

$47M

Profitability

Return on Assets (ROA) 1.08%
Return on Equity (ROE) 14.05%
Net Interest Margin (NIM) 3.78%
Yield on Assets 5.92%
Cost of Funds 2.17%

Asset Quality

NPL Ratio 0.36%
Net Charge-Off Ratio 0.33%
Texas Ratio 2.83%
NPA Ratio 0.25%
ACL / Loans 1.35%

Capital & Liquidity

CET1 Ratio 12.13%
Tier 1 Capital 12.13%
Total Capital Ratio 13.35%
Leverage Ratio 9.41%
Loan-to-Deposit 83.81%

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