Unison Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Unison Bank of Jamestown, ND against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.47% | 1.25% | +0.22% | 61st above |
| ROAE | 17.87% | 12.22% | +5.65% | 79th top |
| Net Interest Margin | 4.02% | 3.95% | +0.07% | 54th above |
| Efficiency Ratio | 52.89% | 63.71% | -10.82% | 74th above |
| PPNR / Avg Assets | 1.91% | — | — | 68th above |
| Yield on Earning Assets | 5.76% | 5.67% | +0.09% | 57th above |
| Cost of Funds | 1.90% | 1.87% | +0.03% | 43rd below |
| Net Interest Spread | 3.33% | — | — | 50th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.40% | 0.88% | -0.48% | 51st above |
| NPA / Total Assets | 0.30% | — | — | 51st above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.11% | 0.15% | -0.04% | 18th bottom |
| ACL / Total Loans | 1.17% | — | — | 48th below |
| ACL / NPLs (Coverage) | 292.98% | — | — | 59th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.02% | 5.96% | -1.94% | 41st below |
| Provision / NCO | 19.05% | — | — | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.02% | 11.75% | -1.73% | 32nd below |
| Equity / Assets | 8.57% | 10.98% | -2.41% | 20th bottom |
| TCE / Tangible Assets | 7.45% | — | — | 10th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.80% | 80.44% | +9.36% | 29th below |
| Core Deposit Ratio | 89.97% | 86.95% | +3.02% | 55th above |
| Wholesale Funding Ratio | 6.98% | — | — | 26th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.71% | — | — | 37th below |
| Loan Growth (Y/Y) | 2.83% | — | — | 35th below |
| Deposit Growth (Y/Y) | 4.42% | — | — | 53rd above |
See Unison Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Unison Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Unison Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Unison Bank peer analysis.