UNITED ORIENT BANK

NEW YORK, NY | Small | Est. April 9, 1981, midnight | FDIC #23373 | RSSD #70218 | FDIC
Latest Report: 2025-12-31

UNITED ORIENT BANK is asn small FDIC-insured commercial bank headquartered in NEW YORK, NY, established in April 9, 1981, midnight. As of 2025-12-31, the bank reported total assets of $101M and total deposits of $68M. Profitability stands at -0.21% ROA and -1.61% ROE, with a net interest margin of 4.62%. The bank's CET1 capital ratio is 13.03%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.74% and a Texas Ratio of 4.32%. FDIC Certificate #23373.

Assets

$101M

Deposits

$68M

Loans

$82M

Equity

$13M

Profitability

Return on Assets (ROA) -0.21%
Return on Equity (ROE) -1.61%
Net Interest Margin (NIM) 4.62%
Yield on Assets 6.75%
Cost of Funds 3.13%

Asset Quality

NPL Ratio 0.74%
Net Charge-Off Ratio --
Texas Ratio 4.32%
NPA Ratio 0.61%
ACL / Loans 1.31%

Capital & Liquidity

CET1 Ratio 13.03%
Tier 1 Capital 13.03%
Total Capital Ratio 13.68%
Leverage Ratio 12.97%
Loan-to-Deposit 121.24%

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