Bank Comparison
Oneunited Bank vs Bay State Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Oneunited Bank | Bay State Savings Bank |
|---|---|---|
| CET1 Ratio | — | 11.32% |
| Tier 1 Capital Ratio | — | 11.32% |
| Total Capital Ratio | — | 12.37% |
| Tier 1 Leverage Ratio | 10.83% | 8.72% |
| Equity / Assets | 9.88% | 8.77% |
Profitability
| Metric | Oneunited Bank | Bay State Savings Bank |
|---|---|---|
| Return on Assets (ROA) | -1.15% | 0.41% |
| Return on Equity (ROE) | -11.56% | 4.56% |
| Net Interest Margin (NIM) | 2.37% | 3.34% |
| Yield on Earning Assets | 4.03% | 5.09% |
| Cost of Funds | 1.61% | 1.82% |
Asset quality
| Metric | Oneunited Bank | Bay State Savings Bank |
|---|---|---|
| Texas Ratio | 1.27% | 4.10% |
| Non-Performing Loan Ratio | 0.19% | 0.48% |
| Non-Performing Asset Ratio | 0.13% | 0.39% |
| Net Charge-Off Ratio | -0.01% | 0.02% |
| ACL / Loans | 0.40% | 0.91% |
Balance sheet
| Metric | Oneunited Bank | Bay State Savings Bank |
|---|---|---|
| Total Assets | $609,027K | $585,390K |
| Total Deposits | $481,925K | $524,020K |
| Total Loans | $405,288K | $471,959K |
| Total Equity | $60,185K | $51,332K |
| Net Income (quarter) | $-1,776 | $583 |
Liquidity & funding
| Metric | Oneunited Bank | Bay State Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 84.10% | 90.07% |
| Core Deposit Ratio | 98.14% | 85.65% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Oneunited Bank | Bay State Savings Bank |
|---|---|---|
| Headquarters City | BOSTON | WORCESTER |
| Headquarters State | MA | MA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 5 | 7 |
| Employees (FTE) | 104 | 82 |
| Established | Aug. 2, 1982, midnight | March 9, 1895, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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