BlastPoint's Banking Scorecard
Unison Bank
Jamestown, ND
4 branches across ND · AZ
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 34 in ND.
- Deposits +4.4% year over year ($499.1M on the books).
- Delinquency rate 0.45%.
- Return on assets 1.29%.
- Efficiency ratio 59.11% vs a 64.48% peer average.
- Loan-to-deposit ratio 88.75% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Unison Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 5.37% below tier average
- + Delinquency Rate 0.47% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 24.4% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$596.9M
+2.7% YoY
+0.1% QoQ
|
+$210.3M |
$386.6M
+1.2% YoY
|
$1.1B
+6.9% YoY
|
$6.3B
+7.7% YoY
|
80% |
| Total Loans ? |
$442.9M
+3.1% YoY
+4.6% QoQ
|
+$184.6M |
$258.3M
+1.7% YoY
|
$805.2M
+6.2% YoY
|
$3.2B
+9.4% YoY
|
83% |
| Total Deposits ? |
$499.1M
+4.4% YoY
-2.2% QoQ
|
+$172.4M |
$326.7M
+0.7% YoY
|
$922.2M
+5.0% YoY
|
$4.9B
+7.3% YoY
|
80% |
| Return on Assets ? |
1.29%
+32.9% YoY
+20.4% QoQ
|
-0.04% |
1.32%
+10.8% YoY
|
1.44%
+8.8% YoY
|
1.30%
+12.1% YoY
|
52% |
| Net Interest Margin ? |
4.02%
+9.6% YoY
+4.1% QoQ
|
+0.03% |
3.99%
+5.0% YoY
|
3.79%
+4.3% YoY
|
3.95%
+4.9% YoY
|
55% |
| Efficiency Ratio ? |
59.11%
-2.9% YoY
-9.1% QoQ
|
-5.37% |
64.48%
-3.2% YoY
|
59.23%
-3.7% YoY
|
70.05%
+2.5% YoY
|
60% |
| Delinquency Rate ? |
0.45%
-13.7% YoY
+55.1% QoQ
|
-0.47% |
0.92%
+15.7% YoY
|
0.86%
+16.6% YoY
|
0.98%
+16.3% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
88.75%
-1.3% YoY
+6.9% QoQ
|
+10.80% |
77.95%
+1.0% YoY
|
73.82%
-0.7% YoY
|
79.03%
+2.3% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
24.30%
+2.6% YoY
+1.9% QoQ
|
+2.27% |
22.03%
-0.6% YoY
|
21.56%
+2.8% YoY
|
21.98%
-0.6% YoY
|
64% |
| Nonperforming Asset Ratio ? |
0.33%
-13.4% YoY
+62.0% QoQ
|
-0.34% |
0.67%
+16.4% YoY
|
0.54%
+8.1% YoY
|
0.69%
+15.8% YoY
|
49% |
| Tier 1 Capital Ratio ? |
10.02%
-10.1% YoY
-18.5% QoQ
|
-5.89% |
15.91%
+1.4% YoY
|
12.90%
+0.7% YoY
|
17.09%
+0.8% YoY
|
Bottom 10.9% in tier |
| Non-Interest Income / Assets ? |
0.20%
-13.4% YoY
+110.2% QoQ
|
-0.37% |
0.57%
+7.6% YoY
|
0.22%
-1.4% YoY
|
0.66%
+5.2% YoY
|
49% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
24.3%
+0.6pp YoY +0.4pp QoQ |
+2.2pp | 22.1% | 21.6% | 22.2% | 63% |
| Brokered Deposits | n/a | n/a | 7.9% | 6.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
2.9%
-2.1pp YoY -2.1pp QoQ |
-8.6pp | 11.6% | 12.9% | 12.5% | 10% |
| CRE |
47.9%
+2.2pp YoY +1.7pp QoQ |
+8.3pp | 39.5% | 29.0% | 41.4% | 66% |
| 1-4 Family |
21.0%
-1.7pp YoY -0.4pp QoQ |
-11.6pp | 32.6% | 12.3% | 31.3% | 32% |
| Consumer |
11.4%
+0.6pp YoY +0.6pp QoQ |
+7.3pp | 4.1% | 4.5% | 5.0% | 94% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.3% | 19.7% | n/a |
| Leverage Ratio |
10.0%
+1.0pp YoY +0.4pp QoQ |
-2.2pp | 12.2% | 10.7% | 12.6% | 32% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
86
+1 (+1.2%) YoY +3 (+3.6%) QoQ |
+27 | 58 | 138 | 482 | 81% |
| Assets per Employee ($) |
$6.9M
+1.5% YoY -3.4% QoQ |
-$578K | $7.5M | $8.3M | $8.8M | 51% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 7 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
+0.1pp YoY +0.2pp QoQ |
-0.1pp | 0.3% | 0.5% | 0.4% | 64% |
| Nonaccrual |
0.3%
-0.2pp YoY 0.0pp QoQ |
-0.7pp | 0.9% | 0.7% | 1.0% | 35% |
| Allowance Coverage |
2.66x
-2.4% YoY -38.5% QoQ |
-21.50x | 24.15x | 73.79x | 20.23x | 55% |
| Net Charge-off Rate (YTD) |
0.2%
-0.2pp YoY -0.1pp QoQ |
+0.1pp | 0.1% | 0.1% | 0.2% | 87% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.6%
+1.6pp YoY +2.4pp QoQ |
+3.4pp | 12.2% | 16.0% | 11.6% | 71% |
| Cost of Funds (YTD) |
1.9%
-0.3pp YoY -0.1pp QoQ |
+0.2pp | 1.7% | 1.7% | 1.7% | 64% |
| Net Income ($, YTD) |
$3.8M
+37.2% YoY — QoQ |
+$1.3M | $2.6M | $7.0M | $40.4M | 79% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.