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BDI
UB

Unison Bank

Jamestown, North DakotaFDIC Cert #19396

STATEEstablished 19654 branches

Holding company: MCINTOSH CNTY BK HOLDINGRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
1.08%
+265.7%y/y
Peer standing25th percentile
Peer standing in ubpr:primary:5
FDICP3ASSET + LNLSGR
90+ %
0.03%
−39.6%y/y
Peer standing30th percentile
Peer standing in ubpr:primary:5
FDICP9ASSET + LNLSGR
Nonaccrual %
0.26%
−51.0%y/y
Peer standing56th percentile
Peer standing in ubpr:primary:5
FDICNAASSET + LNLSGR
Noncurrent %
0.28%
−50.1%y/y
Peer standing60th percentile
Peer standing in ubpr:primary:5
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.20%
−50.5%y/y
Peer standing61st percentile
Peer standing in ubpr:primary:5
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$1.22M
−49.1%y/y
Peer standing57th percentile
Peer standing in ubpr:primary:5
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.38%
−60.9%y/y
Peer standing6th percentile
Peer standing in ubpr:primary:5
FDICNTLNLS + LNLSGR
NCO
$409K
−59.1%y/y
Peer standing5th percentile
Peer standing in ubpr:primary:5
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.23%
−11.1%y/y
Percentile by value49th percentileby value
Peer standing in ubpr:primary:5
FDICLNATRES + LNLSGR
30–89
$4.62M
+272.5%y/y
Peer standing19th percentile
Peer standing in ubpr:primary:5
FDICP3ASSET
90+
$120K
−38.5%y/y
Peer standing28th percentile
Peer standing in ubpr:primary:5
FDICP9ASSET
Nonaccrual
$1.1M
−50.1%y/y
Peer standing51st percentile
Peer standing in ubpr:primary:5
FDICNAASSET