BlastPoint's Banking Scorecard

Unison Bank

$100M-$1B Specialty: Commercial ND FDIC cert 19396

Jamestown, ND

4 branches across ND · AZ

2664 banks in the $100M-$1B peer group nationally 35 in ND

Unison Bank has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 0.24% below tier average
+ Delinquency Rate 0.60% below tier average

Key Concerns

Areas that may need attention

- ROA 0.20% below tier average
- Net Interest Margin 0.07% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Total Assets ?	$596.1M +2.8% YoY -0.5% QoQ	+$210.0M	$386.1M +0.5% YoY	$1.1B +4.5% YoY	$6.2B +9.1% YoY	80%
Total Loans ?	$423.7M +2.0% YoY +2.3% QoQ	+$167.9M	$255.7M +1.1% YoY	$779.7M +5.6% YoY	$3.2B +10.8% YoY	82%
Total Deposits ?	$510.4M +5.1% YoY +1.9% QoQ	+$182.4M	$328.0M +0.1% YoY	$930.6M +2.8% YoY	$4.8B +8.2% YoY	81%
Return on Assets ?	1.07% +46.2% YoY +1.8% QoQ	-0.20%	1.27% +12.9% YoY	1.38% +15.2% YoY	1.23% +13.4% YoY	42%
Net Interest Margin ?	3.86% +10.9% YoY +3.0% QoQ	-0.07%	3.93% +6.0% YoY	3.69% +5.3% YoY	3.89% +5.7% YoY	50%
Efficiency Ratio ?	65.05% -1.7% YoY +6.2% QoQ	-0.24%	65.29% -4.5% YoY	60.25% -5.8% YoY	66.95% -4.1% YoY	44%
Delinquency Rate ?	0.29% -50.1% YoY -26.3% QoQ	-0.60%	0.89% +18.8% YoY	0.92% +20.6% YoY	0.95% +18.8% YoY	58%
Loan-to-Deposit Ratio ?	83.01% -3.0% YoY +0.4% QoQ	+6.37%	76.64% +0.8% YoY	69.27% +0.4% YoY	76.70% +0.9% YoY	40%
Non-Interest-Bearing Deposit Share ?	23.86% +0.6% YoY -5.4% QoQ	+1.84%	22.02% -1.0% YoY	22.07% +2.0% YoY	22.01% -1.2% YoY	62%
Nonperforming Asset Ratio ?	0.20% -50.5% YoY -24.2% QoQ	-0.43%	0.64% +19.7% YoY	0.56% +12.7% YoY	0.67% +19.3% YoY	59%
Tier 1 Capital Ratio ?	12.28% +11.1% YoY +1.2% QoQ	-3.55%	15.83% +1.5% YoY	13.00% +1.5% YoY	17.06% +0.8% YoY	39%
Non-Interest Income / Assets ?	0.09% -25.3% YoY -77.9% QoQ	-0.19%	0.28% +9.3% YoY	0.12% +7.9% YoY	0.32% +4.1% YoY	48%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

481

Total Loans

size

Value: $423.66M

Peer Median: $255.72M

#481 of 2664 Top 18.0% in $100M-$1B

517

Total Deposits

size

Value: $510.36M

Peer Median: $327.97M

#517 of 2664 Top 19.4% in $100M-$1B

530

Total Assets

size

Value: $596.10M

Peer Median: $386.08M

#530 of 2664 Top 19.9% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available