UNIBANK FOR SAVINGS

WHITINSVILLE, MA | Large | Est. June 3, 1870, midnight | FDIC #90290 | RSSD #709602 | FDIC
Latest Report: 2025-12-31

UNIBANK FOR SAVINGS is aln large FDIC-insured commercial bank headquartered in WHITINSVILLE, MA, established in June 3, 1870, midnight. As of 2025-12-31, the bank reported total assets of $2.7B and total deposits of $2.1B. Profitability stands at 0.80% ROA and 10.13% ROE, with a net interest margin of 3.26%. The bank's CET1 capital ratio is 13.39%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.75% and a Texas Ratio of 6.35%. FDIC Certificate #90290.

Assets

$2.7B

Deposits

$2.1B

Loans

$2.1B

Equity

$221M

Profitability

Return on Assets (ROA) 0.80%
Return on Equity (ROE) 10.13%
Net Interest Margin (NIM) 3.26%
Yield on Assets 4.89%
Cost of Funds 2.12%

Asset Quality

NPL Ratio 0.75%
Net Charge-Off Ratio 0.09%
Texas Ratio 6.35%
NPA Ratio 0.58%
ACL / Loans 1.37%

Capital & Liquidity

CET1 Ratio 13.39%
Tier 1 Capital 13.39%
Total Capital Ratio 14.64%
Leverage Ratio 9.06%
Loan-to-Deposit 99.33%

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