Unison Bank
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Data as of · sourced from FFIEC call reports. How we update
Unison Bank is an FDIC-insured commercial bank headquartered in Jamestown, ND, established in 1965 (FDIC certificate 19396), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $596.9M, up 2.7% from Q2 2025, the 19th largest of 60 banks headquartered in North Dakota. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.02% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 19396
- Headquarters
- Jamestown, ND
- Established
- 1965
- Total assets, Q2 2026
- $596.9M
- Assets vs Q2 2025
- +2.7%
- Tier 1 leverage ratio, Q2 2026
- 10.02%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 091310495
- Latest call report
- Q2 2026, FFIEC 051 · Unison Bank call report
- Holding company
- NORTH STAR HOLDING COMPANY, INC.
- Asset rank in state
- 19th of 60 in North Dakota
Unison Bank leans heavily on commercial real estate. It reported $597 million in assets at June 30, 2026, up 2.7% from a year earlier. It holds commercial real estate loans worth 2.6 times its capital, about double the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it returns 17.9% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.5%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $22 million equal 36% of Tier 1 capital, down from 51% a year earlier. Net income for the quarter rose 29% from a year earlier, to $2.2 million. One more trend to watch: delinquency has appeared in its $81 million non-owner-occupied commercial real estate book: 0.79% of those loans are past due or on nonaccrual, against almost none a year earlier.
As of June 30, 2026, Unison Bank reported a return on assets of 1.47%, a nonperforming-loan ratio of 0.44% and a Texas ratio of 4.02%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Unison Bank is the 19th largest of the 60 banks headquartered in North Dakota. From Q1 2026 to Q2 2026, its total assets rose 0.1% to $596.9M, loans rose 4.5% and deposits fell 2.2%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 20.8% of total loans, followed by non-owner-occupied commercial real estate loans at 18.0%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities across 2 states; its Jamestown office books 68% of its branch deposits. Judged on its Q2 2026 call report, Unison Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 401 1st Ave S, Jamestown, ND 58401
- County
- Stutsman
- Metro Area
- Jamestown, ND
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 15, 1965
- Former names
- Stutsman County State Bank (1978-2006)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 86
- Domestic deposits
- $499.1M
- Allowance for credit losses
- $5.3M
- Net charge-offs (YTD)
- $525K
- Average total assets
- $609.4M
- Average total loans
- $441.1M
- Average interest-bearing deposits
- $383.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 15, 1965
- FDIC Cert
- 19396
- Fed RSSD
- 676151
- Website
- www.unisonbank.com →
- Parent Holding Company
- NORTH STAR HOLDING COMPANY, INC. (RSSD 1247129)
- Ultimate Parent
- MCINTOSH COUNTY BANK HOLDING COMPANY, INC. (RSSD 1143678)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Unison Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Unison Bank's total assets ran between $562.8M (Q2 2024) and $599.4M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$596.9M total assets against $581.1M; $545.7M total liabilities against $541.0M.
$442.9M net loans and leases against $429.8M; $499.1M total deposits against $478.0M.
$102.9M securities against $106.7M; $16.9M cash and balances due against $8.6M.
$8.4M total interest income against $8.1M; $2.6M total interest expense against $2.9M.
$5.8M net interest income against $5.2M.
$621K total noninterest income against $598K; $3.5M total noninterest expense against $3.3M.
$100K provision for credit losses against $250K.
$2.2M net income against $1.7M.
1.47% return on assets against 1.18%; 4.02% net interest margin against 3.69%.
10.02% tier 1 leverage ratio against 9.04%.
Inside the full Unison 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Unison Bank rankings
Its closest position to the top of a national ranking is 1,026 of 3,606, for efficiency ratio; its furthest is 1,567 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.71% (Q1 2025) to 1.47% (Q2 2026) and its net interest margin ran from 3.10% (Q3 2024) to 4.02% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.02% | 1.47% | 0.44% | 4.02% | 4.02% |
| Q1 2026 | 9.62% | 1.05% | 0.28% | 2.58% | 3.72% |
| Q4 2025 | 9.41% | 1.07% | 0.39% | 3.54% | 3.63% |
| Q3 2025 | 9.15% | 1.14% | 0.57% | 5.72% | 3.70% |
| Q2 2025 | 9.04% | 1.18% | 0.51% | 5.74% | 3.69% |
| Q1 2025 | 8.71% | 0.71% | 0.57% | 6.31% | 3.34% |
| Q4 2024 | 8.93% | 0.80% | 0.78% | 8.34% | 3.33% |
| Q3 2024 | 8.82% | 0.87% | 1.47% | 14.43% | 3.10% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → 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 |
|---|---|---|---|
| Unison Bank (main office) | Jamestown , ND | 58401 | $338.0M |
| Wishek Branch | Wishek , ND | 58495 | $66.1M |
| Gilbert Branch | Gilbert , AZ | 85295 | $62.0M |
| Linton Branch | Linton , ND | 58552 | $33.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 22, 2021 | Structure Change | Acquired Security State Bank, Wishek, North Dakota Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 21, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 1996 | Structure Change | Acquired Farmers State Bank of Ypsilanti Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 31, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.0% of deposits in ND, rank 22 of 70 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 260 applications, 183 loans originated, $34.7M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $3.0M approved, $1.5M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Unison Bank
What are Unison Bank's total assets?
As of the Q2 2026 filing, Unison Bank reported total assets of $596.9 million in its FFIEC call report.
Where is Unison Bank headquartered?
It is headquartered in Jamestown, ND, United States.
When was Unison Bank founded?
It was established in 1965, per the FDIC institution directory.
Is Unison Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19396). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Unison Bank?
Unison Bank's primary federal regulator is the FDIC.
How many branches does Unison Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Unison Bank's Texas Ratio?
Its Texas Ratio is 4.02% in its Q2 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 non-performing assets against the bank's capital and reserves.
What was Unison Bank previously called?
The charter now named Unison Bank has also operated as Stutsman County State Bank (1978-2006), per FDIC structure-change records.
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