Unison Bank (FDIC #19396): Bank Stress & Real-Estate Credit Exposure

Unison Bank (FDIC Cert #19396): bank stress 70/100, elevated, STABLE over 7 days; parent MCINTOSH CNTY BK HOLDING.

Unison Bank (#19396) lends in 4 counties across 2 states; Unison Bank (#19396) reaches 175 ZIP codes: North Dakota 3 counties, 35 ZIPs; Arizona 1 county, 140 ZIPs.

Unison Bank (#19396) largest markets: Maricopa County, AZ (140 branches, 140 ZIPs) (#19396), Stutsman County, ND (21 branches, 21 ZIPs) (#19396), Emmons County, ND (8 branches, 8 ZIPs) (#19396), Mcintosh County, ND (6 branches, 6 ZIPs) (#19396).

Unison Bank (#19396) reports $596.9 million in total assets; Unison Bank (#19396) equity $51.1 million (8.6% of Unison Bank (#19396) assets); Unison Bank (#19396) domestic deposits $499.1 million; Unison Bank (#19396) net income $3.8 million; Unison Bank (#19396) return on assets 1.29%; Unison Bank (#19396) return on equity 15.59%; Unison Bank (#19396) net interest income $11.2 million; Unison Bank (#19396) call report June 30, 2026.

Unison Bank (#19396) noncurrent real-estate loans: none reported; Unison Bank (#19396) net charge-offs on real estate 0.25%.

Unison Bank (#19396) net interest margin 4.02% against an eight-quarter Unison Bank (#19396) average of 3.62% (Unison Bank (#19396) compression -0.40 points); Unison Bank (#19396) rate-exposure score 40/100, Unison Bank (#19396) fixed-rate trap 40/100; Unison Bank (#19396) risk type credit driven; Unison Bank (#19396) rate regime rates elevated, Unison Bank (#19396) snapshot October 19, 2026.

Unison Bank (#19396) stress score moved from 73.8 on June 22, 2026 to 69.9 on October 20, 2026; Unison Bank (#19396) ranged 69.9 to 73.8 over 117 snapshots.

Unison Bank (#19396) alerts: 4 counties; top Unison Bank (#19396) alert scores: Gilbert County, ND 24 (low); Jamestown County, ND 24 (low); Linton County, ND 24 (low); Wishek County, ND 24 (low).