BlastPoint's Banking Scorecard
2unifi Bank
under $100M
Specialty: Other
WY
FDIC cert 23826
Jackson, WY
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 536 banks in the under $100M peer group nationwide — 1 of 4 in WY.
- Deposits -87.6% year over year ($124K on the books).
- Delinquency rate 0.00%.
- Return on assets 5.18%.
- Efficiency ratio 57.71% vs a 119.40% peer average.
- Loan-to-deposit ratio 4437.10% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
536
banks in the under $100M peer group nationally
4 in WY
View under $100M leaderboard (WY) →
2unifi Bank has 7 strengths but faces 1 concern
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
- + Return on Assets 4.18% above tier average
- + Delinquency Rate 1.48% below tier average
- + Non-Interest-Bearing Deposit Share 66.83% above tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + Non-Interest Income / Assets 6.04% above tier average
- + Net Interest Margin 0.72% above tier average
- + Efficiency Ratio 61.68% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 4362.89% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$38.5M
-1.7% YoY
-1.2% QoQ
|
-$24.0M |
$62.4M
-0.0% YoY
|
$450.2M
+6.6% YoY
|
$6.3B
+7.7% YoY
|
19% |
| Total Loans ? |
$5.5M
+133.9% YoY
+135.1% QoQ
|
-$29.4M |
$34.9M
-0.6% YoY
|
$256.9M
+8.1% YoY
|
$3.2B
+9.4% YoY
|
Bottom 6.3% in tier |
| Total Deposits ? |
$124K
-87.6% YoY
-88.3% QoQ
|
-$51.5M |
$51.6M
-0.2% YoY
|
$395.8M
+5.2% YoY
|
$4.9B
+7.3% YoY
|
Bottom 0.2% in tier |
| Return on Assets ? |
5.18%
+278.6% YoY
+891.2% QoQ
|
+4.18% |
1.00%
+3.5% YoY
|
1.35%
+50.4% YoY
|
1.30%
+12.1% YoY
|
Top 1.9% in tier |
| Net Interest Margin ? |
4.63%
+1.8% YoY
-0.4% QoQ
|
+0.72% |
3.91%
+2.3% YoY
|
3.97%
+6.9% YoY
|
3.95%
+4.9% YoY
|
77% |
| Efficiency Ratio ? |
57.71%
-25.5% YoY
-37.1% QoQ
|
-61.68% |
119.40%
+49.6% YoY
|
70.09%
-6.6% YoY
|
70.05%
+2.5% YoY
|
77% |
| Delinquency Rate ? | 0.00% | -1.48% |
1.48%
+31.8% YoY
|
0.54%
-5.2% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? | 4437.10% | +4362.89% |
74.21%
+12.6% YoY
|
246.53%
+252.1% YoY
|
79.03%
+2.3% YoY
|
Bottom 0.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
90.32%
-9.7% YoY
-7.1% QoQ
|
+66.83% |
23.49%
+0.6% YoY
|
24.71%
-0.8% YoY
|
21.98%
-0.6% YoY
|
Top 0.7% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.84% |
0.84%
+23.0% YoY
|
0.41%
+17.6% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
140.71%
+88.7% YoY
+8.5% QoQ
|
+113.58% |
27.13%
+3.0% YoY
|
20.04%
+15.3% YoY
|
17.09%
+0.8% YoY
|
Top 2.2% in tier |
| Non-Interest Income / Assets ? |
7.42%
+77.9% YoY
+196.1% QoQ
|
+6.04% |
1.38%
+6.3% YoY
|
0.52%
+37.3% YoY
|
0.66%
+5.2% YoY
|
Top 2.2% in tier |
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 (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
90.3%
-9.7pp YoY -6.9pp QoQ |
+65.7pp | 24.6% | 24.7% | 22.2% | 99% |
| Brokered Deposits | n/a | n/a | 9.8% | 12.5% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
59.9%
+10.5pp YoY +9.6pp QoQ |
+46.5pp | 13.4% | 16.1% | 12.5% | 99% |
| CRE | n/a | n/a | 25.2% | 45.3% | 41.4% | n/a |
| 1-4 Family | n/a | n/a | 35.0% | 25.2% | 31.3% | n/a |
| Consumer | n/a | n/a | 7.7% | 4.1% | 5.0% | n/a |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
140.7%
+66.1pp YoY +11.1pp QoQ |
+102.0pp | 38.7% | 25.5% | 19.7% | 95% |
| Leverage Ratio |
38.4%
+5.9pp YoY +3.8pp QoQ |
+20.7pp | 17.7% | 11.6% | 12.6% | 94% |
| Total Capital Ratio |
141.2%
+66.5pp YoY +11.3pp QoQ |
+101.5pp | 39.7% | 26.6% | 20.8% | 95% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
1
-12 (-92.3%) YoY -13 (-92.9%) QoQ |
-11 | 12 | 57 | 482 | 0% |
| Assets per Employee ($) |
$38.5M
+1177.9% YoY +1283.3% QoQ |
+$32.3M | $6.2M | $8.7M | $8.8M | 100% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 4 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.2% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 0.6% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 18.30x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.1%
+10.0pp YoY +12.7pp QoQ |
+7.7pp | 6.4% | 9.7% | 11.6% | 81% |
| Cost of Funds (YTD) | n/a | n/a | 1.4% | 1.6% | 1.7% | n/a |
| Net Income ($, YTD) |
$1.0M
+264.5% YoY — QoQ |
+$688K | $317,817 | $3.2M | $40.4M | 96% |
Get Full Access to 2unifi Bank
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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).
Top Strengths (8 metrics)
1
Delinquency Rate
credit_quality
Value:
0.00%
Peer Median: 1.48%
#1 of 517
Top 0.1% in under $100M
1
Nonperforming Asset Ratio
credit_quality
Value:
0.00%
Peer Median: 0.84%
#1 of 536
Top 0.1% in under $100M
5
Non-Interest-Bearing Deposit Share
funding
Value:
90.32%
Peer Median: 23.49%
#5 of 536
Top 0.7% in under $100M
11
Return on Assets
profitability
Value:
5.18%
Peer Median: 1.00%
#11 of 536
Top 1.9% in under $100M
13
Tier 1 Capital Ratio
capital
Value:
140.71%
Peer Median: 27.13%
#13 of 536
Top 2.2% in under $100M
13
Non-Interest Income / Assets
revenue_mix
Value:
7.42%
Peer Median: 1.38%
#13 of 536
Top 2.2% in under $100M
122
Net Interest Margin
profitability
Value:
4.63%
Peer Median: 3.91%
#122 of 536
Top 22.6% in under $100M
126
Efficiency Ratio
profitability
Value:
57.71%
Peer Median: 119.40%
#126 of 536
Top 23.3% in under $100M
Top Weaknesses (4 metrics)
536
Loan-to-Deposit Ratio
liquidity
Value:
4437.10%
Peer Median: 74.21%
#536 of 536
Bottom 0.2% in under $100M
536
Total Deposits
size
Value:
$124,000
Peer Median: $51.62M
#536 of 536
Bottom 0.2% in under $100M
503
Total Loans
size
Value:
$5.50M
Peer Median: $34.89M
#503 of 536
Bottom 6.3% in under $100M
435
Total Assets
size
Value:
$38.47M
Peer Median: $62.44M
#435 of 536
Bottom 19.0% in under $100M