2unifi Bank: how it compares with its peers
Against 348 U.S. banks with half to twice its assets, 2unifi Bank's strongest measure in Q2 2026 is assets per employee ($38.5M vs. a $5.7M peer median). Its weakest relative measure is efficiency ratio (57.71% vs. 71.94%).
| Measure | 2unifi Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 5.18% | 0.97% | Top third Ahead of 94% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.63% | 3.87% | Top third Ahead of 79% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 57.71% | 71.94% | Top third Ahead of 78% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $38.5M | $5.7M | Top third Ahead of 100% of peers |
| Loans to deposits Net loans and leases over total deposits. | 4437.10% | 63.39% | Context |
What it means for lending operations
Its efficiency ratio of 57.71% is better than the 71.94% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Peoples State Bank, Fairmount, N. D. Fairmount, ND · $38M
- Tucumcari Federal Savings and Loan Association Tucumcari, NM · $38M
- Houston Bank & Trust Houston, TX · $39M
- Cottonwood Valley Bank Cedar Point, KS · $38M
- The First National Bank at St. James Saint James, MN · $38M
- Farmers State Bank of Emden Emden, IL · $38M
Questions about 2unifi Bank
How big is 2unifi Bank?
2unifi Bank, established in 1982, is headquartered in Jackson, WY. It reported $38M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is 2unifi Bank's return on assets?
5.18% annualized in Q2 2026, against a 0.97% median for 348 U.S. banks with half to twice its assets, ahead of 94% of them.
What is 2unifi Bank's efficiency ratio?
57.71% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 71.94%, and lower is better.
Is 2unifi Bank growing its loans?
Net loans grew 133.9% over the year to Q2 2026, while deposits shrank 87.6%.
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 U.S. 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 Wyoming bank ranked.