# UNISON BANK
JAMESTOWN, ND · FDIC certificate 19396 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $596.9M | |
| Deposits | $499.1M | |
| Loans and leases | $448.2M | |
| Total equity | $51.1M | |
| Loans / deposits | 88.75% (p68 of band) | 82.04% |
| Liquid assets / assets | 20.07% (p32 of band) | |
| Uninsured deposits / deposits | 33.59% (p76 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.98% (p67 of band) | |
| FHLB advances / assets | 5.86% | |
| Tier 1 leverage | 10.02% (p35 of band) | 10.81% |
| Unrealized securities loss / equity | -43.07% (p7 of band) | -8.10% |
| AOCI / equity | -0.09% (p67 of band) | |
| ROA (annualized) | 1.29% (p50 of band) | 1.28% |
| Net interest margin | 4.02% (p56 of band) | 3.91% |
| Efficiency ratio | 59.11% (p43 of band) | |
| Noncurrent loans | 0.44% (p51 of band) | 0.43% |
| Net charge-offs (annualized) | 0.18% (p90 of band) | |
| Reserve coverage of noncurrent | 265.59% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 145.50% (p96 of band) | |
| Auto loans | $14.1M (3.14% of loans; DQ 0.85%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.4% | |
| Employees | 86 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **charge-offs p90** (`aq_nco`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 3 | losing money, charge-offs p90, reserve under noncurrent |  |
| 2011-09 | 4 | wholesale funding >15% |  |
| 2011-12 | 2 |  | reserve under noncurrent, wholesale funding >15% |
| 2012-03 | 0 |  | losing money, charge-offs p90 |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | charge-offs p90 |  |
| 2012-12 | 0 |  | charge-offs p90 |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | wholesale funding >15% |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | wholesale funding >15% |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | wholesale funding >15% |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | wholesale funding >15% |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | capital falling, construction >100% equity |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | capital falling |  |
| 2024-06 | 2 |  | capital falling |
| 2024-09 | 3 | deposits shrinking |  |
| 2024-12 | 3 | charge-offs p90 | deposits shrinking |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 |  |  |
| 2026-06 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-27 [Unison Bank taps Arizona market president to succeed retiring CEO - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxOQUtRM3ZadHhuSU15V3ZiZzZoRHdSbVl6QmtfOVVOeEsyUlctWFV4RmxwNkpPSkNzS1oxS0JfMEktYnY3ZmFRQnVtNjBsVGRFV3pUVTRYM1podE5xWTctTnplNmtGLXJPbWVIV21xYTNCdXozQ1hHR2hDT3dEV0RvRWFJLWFiM2Q3eVdYLWUtZnE1RGlYaGhKNjdpMmdVV210aXZJcTJjcw?oc=5) · The Business Journals
- 2026-04-16 [Unison Bank BizSpotlight - The Business Journals](https://news.google.com/rss/articles/CBMif0FVX3lxTFBDUnk1a1k5RHZ6T1d5amFGcGtZSmdqVkFld0w5bExIRzZTZllCUFljUTM3bTJiQkotN0FPSHkzSWhqWjJYSUhhVEVZc1NOMmVRQTJXNzdMOWRwaUtYYnVJT0doQ2QyNVNXM1oxdkFFWG9COUR1bnh5WFI0YXJjVU0?oc=5) · The Business Journals
- 2024-11-15 [Unison Bank Sets Up Tree of Warmth in Jamestown - News Dakota](https://news.google.com/rss/articles/CBMijwFBVV95cUxQZlJHQlIwSUxHN2xsNTE5Z3J6X25pb3dMN25nSXJxM2hlb1ZTVDhGSmg2Z0dGR25kN0J2VkdKM0VSaXE3dUdpRTdIV1o3YjJyVVEzYWRBTldaOGVFSm9OYWVaM0dQcFpJRi1ST0JiZWlKM2kxQ3VNVEZPSjg2NU5hM3dHMTJYSFVJTjk2ZXU4UQ?oc=5) · News Dakota
- 2020-04-07 [Unison Bank celebrates 55 years in 2020 - Jamestown Sun](https://news.google.com/rss/articles/CBMigwFBVV95cUxOa0l5dzFLY3JES0JxRlBSTDlFS2VBY3ZUOFNjTXV3bDdWODF4RlpzNXB1YTJYZFl0Y21sVFhrLUhFWUtManE1b1FqNUptUzUxMU0xTmItVHRIZHVIbVlib1lTNGdDeVN5cmJwTmNHMkM4Rk1XZmYtckhyTE8wbzkyRmREYw?oc=5) · Jamestown Sun
- 2021-12-18 [Jan Odin to retire after 47 years at Unison Bank - Jamestown Sun](https://news.google.com/rss/articles/CBMijwFBVV95cUxPb3JWTmpUX2VmYjZqWWN6T0FQWGFkMF8xZ1d5aE9zSE9UNEIycnlTVFRqUVZYdFhTc0x3cS16djFOMUE4TWtLazBDMXhYTndkQThhYjFaV2lUX01TZUVSWVhCbFBCdVZwZDUxY0oxRmt6SlNNR2FNd044Sl96eTVaSS1LTzhyMEgyNlpnbTY1Zw?oc=5) · Jamestown Sun
- 2023-01-11 [Unison Bank Donates $10,000 to JRFD - News Dakota](https://news.google.com/rss/articles/CBMifEFVX3lxTE9IeDFLbU9ad2N3dTJoMFM1WEdUVVZsN0ZTd2FCVWhXWTZMSVA1eHMyOGRMdkVhUUZfT1lkQTZzS3Z0S0Zwb1FVb0p4OW9HWkNTaHFqaDFHQjA3VmhUVGpkYjRuVGFHVXYwSFJSRml1SlNSZ1dJZ3dPWTR4SEw?oc=5) · News Dakota
- 2023-08-14 [Bradley Bohl Named Unison Bank’s Artist of the Month - News Dakota](https://news.google.com/rss/articles/CBMilAFBVV95cUxQa1dVelJlUmFld0h2SkR1dHcyLUkzNTI3OWdPMFpwa0F1ZHJGWXFXMVh2eHdZaW41UmNrQktUNzdXTWlaRFVlLVAzSlkxc3JadU9VcnBtT2p1OHpvVlJ6M1lfMks5UThXcmhldUpqbXBPUTdGTHZ3bWl6eXNwUm1YY3JCQXdJMmhycmRuUW84cF8wSmlB?oc=5) · News Dakota
- 2021-05-27 [Bell Bank opens new Biltmore-area branch; Western State Bank eyes new North Phoenix location - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxPcEdLdC0tc1lJNVNtYTV6N2xHVDExVG1TWEVhOHJVcm5HMTkxb2w0bnA4ZEJtUzdWRmFRaHgyVmVYMW5xSkxNdlROeWdLYzg1d3BEbW8waG1sOHdDbDAzbVpBc2NJYzhFTmlfb1B0aW1IRnlDOUJxVERUWmk1YzFXNklzQjJTZ0NvTDRiVldPOFF2SWplZHkzN1NfbXQ1TUhDWDRTRg?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19396 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/4.json (key "19396", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide