Unison Bank: how it compares with its peers
Against 17 ND banks with half to twice its assets, Unison Bank's strongest measure in Q2 2026 is net interest margin (4.02% vs. a 3.89% peer median). Its weakest relative measure is return on assets (1.29% vs. 1.69%).
| Measure | Unison Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.29% | 1.69% | Bottom third Ahead of 12% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.02% | 3.89% | Middle third Ahead of 65% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.11% | 54.78% | Middle third Ahead of 35% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.9M | $7.7M | Bottom third Ahead of 29% of peers |
| Loans to deposits Net loans and leases over total deposits. | 88.75% | 82.06% | Context |
What it means for lending operations
Its efficiency ratio of 59.11% is above the 54.78% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- KodaBank Drayton, ND · $560M
- American State Bank & Trust Company of Williston Williston, ND · $643M
- First State Bank & Trust Williston, ND · $543M
- BankNorth Arthur, ND · $694M
- United Valley Bank Cavalier, ND · $752M
- First State Bank Buxton, ND · $424M
Questions about Unison Bank
How big is Unison Bank?
Unison Bank, established in 1965, is headquartered in Jamestown, ND. It reported $597M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Unison Bank's return on assets?
1.29% annualized in Q2 2026, against a 1.69% median for 17 ND banks with half to twice its assets, ahead of 12% of them.
What is Unison Bank's efficiency ratio?
59.11% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 54.78%, and lower is better.
Is Unison Bank growing its loans?
Net loans grew 3.1% over the year to Q2 2026, while deposits grew 4.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are ND banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every North Dakota bank ranked.