BanksUNIBANK FOR SAVINGS

UNIBANK FOR SAVINGS

WHITINSVILLE, MALargeEst. June 3, 1870, midnightFDIC #90290RSSD #709602FDIC
Latest · 2025-12-31

UNIBANK FOR SAVINGS is an 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%. CET1 capital ratio: 13.39%, well above regulatory minimums. NPL ratio: 0.75% · Texas Ratio: 6.35%. Operates 15 domestic branches.

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 Margin3.26%
Yield on Assets4.89%
Cost of Funds1.82%

Asset Quality

NPL Ratio0.75%
Net Charge-Off Ratio0.09%
Texas Ratio6.35%
NPA Ratio0.58%
ACL / Loans1.37%

Capital & Liquidity

CET1 Ratio13.39%
Tier 1 Capital13.39%
Total Capital Ratio14.64%
Leverage Ratio9.06%
Loan-to-Deposit99.33%

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