BanksUNITED ORIENT BANK

UNITED ORIENT BANK

NEW YORK, NYSmallEst. April 9, 1981, midnightFDIC #23373RSSD #70218FDIC
Latest · 2025-12-31

UNITED ORIENT BANK is an 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%. CET1 capital ratio: 13.03%, well above regulatory minimums. NPL ratio: 0.74% · Texas Ratio: 4.32%. Operates 2 domestic branches.

Assets
$101M
Deposits
$68M
Loans
$82M
Equity
$13M

Profitability

Return on Assets (ROA)-0.21%
Return on Equity (ROE)-1.61%
Net Interest Margin4.62%
Yield on Assets6.75%
Cost of Funds2.45%

Asset Quality

NPL Ratio0.74%
Net Charge-Off Ratio0.00%
Texas Ratio4.32%
NPA Ratio0.61%
ACL / Loans1.31%

Capital & Liquidity

CET1 Ratio13.03%
Tier 1 Capital13.03%
Total Capital Ratio13.68%
Leverage Ratio12.97%
Loan-to-Deposit121.24%

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