2UNIFI Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
2UNIFI Bank is one of the more profitable banks of its size. Based in Jackson, Wyoming, it had $38 million in assets at June 30, 2026, down 1.7% from a year earlier. It returns 26.5% a year on shareholders' equity, about triple the median of 8.6% for the 583 banks with less than $100 million in assets. It also spends about 39 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 69 cents).
As of June 30, 2026, 2UNIFI Bank reported a CET1 capital ratio of 140.71%, a return on assets of 9.84%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%, according to its call report filed with the FFIEC.
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)
- Offices
- 1 domestic
- Employees (FTE)
- 1
- Domestic deposits
- $124K
- Allowance for credit losses
- $52K
- Net charge-offs (YTD)
- $0
- Average total assets
- $38.8M
- Average total loans
- $5.6M
- Average interest-bearing deposits
- $26K
- 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.bankofjacksonholetrust.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
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full 2UNIFI Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock 2UNIFI 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.
2UNIFI Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 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% |
| Q3 2024 | 75.37% | 1.07% | 0.00% | 0.00% | 4.82% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View the branch →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Jackson Hole Trust | Jackson , WY | 83001 | $124K |
Regulatory record
What the public regulatory sources show for 2UNIFI Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 45 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).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about 2UNIFI Bank
What are 2UNIFI Bank's total assets?
As of the Q2 2026 filing, 2UNIFI Bank reported total assets of $38.5 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is 2UNIFI Bank headquartered?
2UNIFI Bank is headquartered in Jackson, WY, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was 2UNIFI Bank founded?
2UNIFI Bank was established in 1982, per the FDIC institution directory.
Is 2UNIFI Bank FDIC-insured?
Yes. 2UNIFI Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is 2UNIFI Bank's CET1 capital ratio?
2UNIFI Bank reported a Common Equity Tier 1 (CET1) capital ratio of 140.71% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does 2UNIFI Bank operate?
2UNIFI Bank 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?
2UNIFI Bank's Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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