Unibank: Financial Reports & UBPR Data
BankRegReports is independent of Unibank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Unibank spends more to run itself than most banks of its size. The Lynnwood, Washington bank had $393 million in assets at June 30, 2026, down 4.0% from a year earlier. It loses about $0.37 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 149 cents to bring in each dollar of revenue, 2.4 times the median of 61 cents for banks its size.
It lost $364,000 in the quarter. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.02% of loans from 0.35%. Its margin is thin by comparison: it keeps 2.40 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
As of June 30, 2026, Unibank reported a CET1 capital ratio of 10.25%, a return on assets of -0.37%, a nonperforming-loan ratio of 1.63% and a Texas ratio of 14.23%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 19315 Highway 99, Lynnwood, WA 98036
- County
- Snohomish
- Metro Area
- Seattle-Tacoma-Bellevue, WA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 1, 2006
- Offices
- 4 domestic
- Employees (FTE)
- 50
- Domestic deposits
- $322.6M
- Allowance for credit losses
- $2.9M
- Net charge-offs (YTD)
- -$1.9M
- Average total assets
- $393.5M
- Average total loans
- $270.1M
- Average interest-bearing deposits
- $272.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 1, 2006
- FDIC Cert
- 58407
- Fed RSSD
- 3487947
- Website
- www.unibankusa.com →
- Parent Holding Company
- U & I FINANCIAL CORP. (RSSD 4125086)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Unibank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Unibank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Unibank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.25% | -0.37% | 1.63% | 0.14% | 2.40% |
| Q1 2026 | 10.63% | -0.13% | 1.69% | 0.27% | 3.01% |
| Q4 2025 | 9.98% | -0.56% | 2.85% | 2.57% | 2.53% |
| Q3 2025 | 9.62% | -0.22% | 2.88% | 2.75% | 2.53% |
| Q2 2025 | 9.22% | 0.75% | 2.75% | 3.48% | 2.63% |
| Q1 2025 | 7.76% | -1.69% | 3.62% | 16.08% | 2.34% |
| Q4 2024 | 7.53% | -11.89% | 3.47% | 7.39% | 1.87% |
| Q3 2024 | 9.33% | -10.31% | 1.70% | 6.34% | 2.37% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 4 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Unibank (main office) | Lynnwood , WA | 98036 | $137.3M |
| Tacoma Branch | Lakewood , WA | 98499 | $85.9M |
| Federal Way Branch | Federal Way , WA | 98003 | $54.8M |
| Bellevue Branch | Bellevue , WA | 98006 | $44.6M |
Regulatory record
What the public regulatory sources show for Unibank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (Federal Reserve). These actions name the parent holding company, U & I FINANCIAL CORP., not the bank itself
- October 21, 2024, Federal Reserve: Written Agreement: U & I Financial Corp., Lynnwood, Washington and UniBank, Lynnwood, Washington
- Period: Most recent institution action October 21, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in WA, rank 37 of 63 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 18 applications, 9 loans originated, $10.4M originated, across 2 states
- Period: Calendar year 2024. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 6 loans, $7.2M approved, $1.2M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Unibank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Unibank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about Unibank
What are Unibank's total assets?
As of the Q2 2026 filing, Unibank reported total assets of $393.0 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Unibank headquartered?
Unibank is headquartered in Lynnwood, WA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Unibank founded?
Unibank was established in 2006, per the FDIC institution directory.
Is Unibank FDIC-insured?
Yes. Unibank is an FDIC-insured commercial bank (FDIC Certificate #58407). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Unibank?
Unibank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Unibank's CET1 capital ratio?
Unibank reported a Common Equity Tier 1 (CET1) capital ratio of 10.25% in its Q2 2026 call report, above regulatory requirements.
How many branches does Unibank operate?
Unibank operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Unibank's Texas Ratio?
Unibank's Texas Ratio is 14.23% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
Go deeper on Unibank.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Unibank, freeFree account