Unison Bank: Bank Stress & Real-Estate Credit Exposure

At 70/100, Unison Bank's DLRadar bank-stress reading is elevated; the institution is filed under FDIC Cert #19396. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

The recent trend is stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. What separates this from a plain credit rating is the geographic weighting — Unison Bank's 70/100 reading reflects not just its balance sheet but the 4 counties it lends into, so the score doubles as a map of where its stress will land first. Unison Bank runs a compact, regionally concentrated real-estate lending footprint — 4 U.S. counties across 2 states, spanning 175 ZIP codes. It concentrates most in North Dakota (3 counties), Arizona (1 county). The combination of a elevated reading and a compact footprint is what makes Unison Bank worth watching as a supply signal. Because Unison Bank is held under Mcintosh Cnty Bk Holding, its financials are open to scrutiny and its trend can be independently checked. Its lending reaches counties such as Maricopa County, AZ, Stutsman County, ND, Emmons County, ND, Mcintosh County, ND, each tied back to DLRadar's distress signals. Rather than a standalone rating, the elevated score is tied to real markets — every one of the 175 ZIP codes Unison Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. The Unison Bank score updates as fresh FDIC call reports post each quarter, so its 70/100 reading and 4-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Unison Bank is directly comparable to any lender in the country.

The acquisition angle is simple — lending capacity is what moves deals. As Unison Bank tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. That lets you move ahead of the market, with each number sourced from public federal filings.