ONEUNITED BANK

BOSTON, MA | Medium | Est. Aug. 2, 1982, midnight | FDIC #23966 | RSSD #935308 | FDIC
Latest Report: 2025-12-31

ONEUNITED BANK is amn medium FDIC-insured commercial bank headquartered in BOSTON, MA, established in Aug. 2, 1982, midnight. As of 2025-12-31, the bank reported total assets of $762M and total deposits of $517M. Profitability stands at -0.17% ROA and -1.93% ROE, with a net interest margin of 2.14%. The bank's CET1 capital ratio is 8.23%. Asset quality metrics show a non-performing loan ratio of 0.14% and a Texas Ratio of 0.90%. FDIC Certificate #23966.

Assets

$762M

Deposits

$517M

Loans

$403M

Equity

$63M

Profitability

Return on Assets (ROA) -0.17%
Return on Equity (ROE) -1.93%
Net Interest Margin (NIM) 2.14%
Yield on Assets 3.77%
Cost of Funds 1.66%

Asset Quality

NPL Ratio 0.14%
Net Charge-Off Ratio 0.02%
Texas Ratio 0.90%
NPA Ratio 0.08%
ACL / Loans 0.40%

Capital & Liquidity

CET1 Ratio 8.23%
Tier 1 Capital 8.23%
Total Capital Ratio 8.64%
Leverage Ratio 10.90%
Loan-to-Deposit 77.99%

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