Headquartered in Jamestown, North Dakota, Unison Bank is a state-chartered bank with $596.9M in total assets and $499.1M in deposits as of Q2 2026. It operates 4 offices across 2 states. Its charter dates back to 1965.
Based on its Q2 2026 filing, Unison Bank scores 67/100, which we describe as moderate. That is higher than only 34% of 2,650 banks with $100 million – $1 billion. Among 60 banks headquartered in North Dakota, it ranks 39th. Its strongest component is problem-loan coverage (93/100; 3.5%), and its lowest is capital cushion (50/100; 10.02%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 5 points (62 → 67), mostly because the earnings component improved by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 50 |
| Q3 2024 | 51 |
| Q4 2024 | 58 |
| Q1 2025 | 58 |
| Q2 2025 | 62 |
| Q3 2025 | 62 |
| Q4 2025 | 65 |
| Q1 2026 | 67 |
| Q2 2026 | 67 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.48% |
| Q3 2024 | 8.82% |
| Q4 2024 | 8.93% |
| Q1 2025 | 8.71% |
| Q2 2025 | 9.04% |
| Q3 2025 | 9.15% |
| Q4 2025 | 9.41% |
| Q1 2026 | 9.62% |
| Q2 2026 | 10.02% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.47% |
| Q3 2024 | 1.47% |
| Q4 2024 | 0.78% |
| Q1 2025 | 0.57% |
| Q2 2025 | 0.51% |
| Q3 2025 | 0.57% |
| Q4 2025 | 0.39% |
| Q1 2026 | 0.28% |
| Q2 2026 | 0.44% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.76% |
| Q3 2024 | 0.80% |
| Q4 2024 | 0.80% |
| Q1 2025 | 0.73% |
| Q2 2025 | 0.97% |
| Q3 2025 | 1.04% |
| Q4 2025 | 1.05% |
| Q1 2026 | 1.07% |
| Q2 2026 | 1.29% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 67 | $596.9M | 10.02% | 0.44% | 1.29% | 88.7% |
| Q1 2026 | 67 | $596.1M | 9.62% | 0.28% | 1.07% | 83.0% |
| Q4 2025 | 65 | $599.4M | 9.41% | 0.39% | 1.05% | 82.7% |
| Q3 2025 | 62 | $591.0M | 9.15% | 0.57% | 1.04% | 88.0% |
| Q2 2025 | 62 | $581.1M | 9.04% | 0.51% | 0.97% | 89.9% |
| Q1 2025 | 58 | $579.7M | 8.71% | 0.57% | 0.73% | 85.6% |
| Q4 2024 | 58 | $575.3M | 8.93% | 0.78% | 0.80% | 86.3% |
| Q3 2024 | 51 | $580.2M | 8.82% | 1.47% | 0.80% | 85.6% |
| Q2 2024 | 50 | $562.8M | 8.48% | 1.47% | 0.76% | 84.4% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in North Dakota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| KodaBankBank Drayton, ND | 75 out of 100, Strong | $559.8M | 10.3% | 0.30% | vs |
| American State Bank & Trust Company of WillistonBank Williston, ND | 68 out of 100, Moderate | $643.5M | 12.1% | 2.07% | vs |
| First State Bank & TrustBank Williston, ND | 94 out of 100, Very strong | $542.6M | 15.4% | 0.00% | vs |
| BankNorthBank Arthur, ND | 72 out of 100, Strong | $694.1M | 10.3% | 0.58% | vs |
| United Valley BankBank Cavalier, ND | 72 out of 100, Strong | $751.6M | 10.5% | 0.13% | vs |
| First State BankBank Buxton, ND | 75 out of 100, Strong | $424.2M | 9.8% | 0.00% | vs |
Deposit insurance
Is my money safe at Unison Bank?
Yes. Unison Bank is an FDIC-insured institution (FDIC certificate #19396). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 33.6% of deposits ($167.6M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.02%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
4 locations
Branches
Unison Bank lists 4 offices in 4 cities across 2 states. Most locations:
- Gilbert, AZ (1)
- Jamestown, ND (1)
- Linton, ND (1)
- Wishek, ND (1)
Identity & history
Profile
- Legal name
- Unison Bank
- Former names
- Stutsman County State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 19396
- RSSD ID
- 676151
- Primary regulator
- FDIC
- Holding company
- McIntosh Cnty Bk Holding
- Established
- March 15, 1965
- Headquarters
- 401 1st Ave S, Jamestown, ND 58401
- Website
- www.unisonbank.com
- Employees
- 86
Quick answers
Unison Bank: common questions
Is Unison Bank FDIC insured?
Yes. Unison Bank is an FDIC-insured institution (FDIC certificate #19396). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Unison Bank's TellerScore?
67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Unison Bank ever failed?
There is no failure record for FDIC certificate #19396 in the FDIC failed bank list.
How many branches does Unison Bank have?
4 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Jamestown
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| BankNorthBank Arthur, ND | 72 out of 100, Strong | $694.1M | 10.3% | 0.58% | vs |
| First Community Credit UnionCredit union Jamestown, ND | 71 out of 100, Strong | $1.5B | 12.3% | 0.61% | vs |
| Bank ForwardBank Fargo, ND | 70 out of 100, Strong | $1.1B | 10.2% | 0.67% | vs |
| Gate City BankBank Fargo, ND | 65 out of 100, Moderate | $4.0B | 9.8% | 0.69% | vs |
| Wells Fargo Bank, National AssociationBank Sioux Falls, SD | 58 out of 100, Moderate | $1.9T | 8.0% | 1.04% | vs |
| U.S. Bank National AssociationBank Cincinnati, OH | 55 out of 100, Moderate | $705.6B | 9.5% | 1.45% | vs |