UNITED PACIFIC BANK

CITY OF INDUSTRY, CA | Small | Est. May 11, 1982, midnight | FDIC #23805 | RSSD #609467 | FDIC
Latest Report: 2025-12-31

UNITED PACIFIC BANK is asn small FDIC-insured commercial bank headquartered in CITY OF INDUSTRY, CA, established in May 11, 1982, midnight. As of 2025-12-31, the bank reported total assets of $186M and total deposits of $152M. Profitability stands at 0.27% ROA and 1.59% ROE, with a net interest margin of 4.13%. The bank's CET1 capital ratio is 17.10%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.16% and a Texas Ratio of 0.63%. FDIC Certificate #23805.

Assets

$186M

Deposits

$152M

Loans

$138M

Equity

$32M

Profitability

Return on Assets (ROA) 0.27%
Return on Equity (ROE) 1.59%
Net Interest Margin (NIM) 4.13%
Yield on Assets 7.25%
Cost of Funds 3.52%

Asset Quality

NPL Ratio 0.16%
Net Charge-Off Ratio --
Texas Ratio 0.63%
NPA Ratio 0.12%
ACL / Loans 1.83%

Capital & Liquidity

CET1 Ratio 17.10%
Tier 1 Capital 17.10%
Total Capital Ratio 17.96%
Leverage Ratio 17.13%
Loan-to-Deposit 90.69%

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