Oneunited Bank
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Data as of · sourced from FFIEC call reports. How we update
Oneunited Bank is an FDIC-insured commercial bank headquartered in Boston, MA, established in 1982 (FDIC certificate 23966), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $637.9M, up 5.1% from Q2 2025, the 63rd largest of 89 banks headquartered in Massachusetts. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.43% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 23966
- Headquarters
- Boston, MA
- Established
- 1982
- Total assets, Q2 2026
- $637.9M
- Assets vs Q2 2025
- +5.1%
- Tier 1 leverage ratio, Q2 2026
- 10.43%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 011001276
- Asset rank in state
- 63rd of 89 in Massachusetts
Problem loans are rising at Oneunited Bank. Its balance sheet stood at $638 million at June 30, 2026, up 5.1% from a year earlier; it is based in Boston, Massachusetts. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.42% of loans from 0.04% a year earlier. It loses about $0.58 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 111 cents to bring in each dollar of revenue, about double the median of 61 cents for banks its size.
It lost $918,000 in the quarter. Unrealized losses on its securities total $13 million, equal to 19% of Tier 1 capital, against 22% a year earlier. Its margin is thin by comparison: it keeps 2.18 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
As of June 30, 2026, Oneunited Bank reported a return on assets of -0.58%, a nonperforming-loan ratio of 0.42% and a Texas ratio of 2.85%. The figures come from its call report filed with the FFIEC.
Oneunited Bank ranks as the 63rd largest of the 89 banks based in Massachusetts, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 4.7% to $637.9M, loans rose 1.0% and deposits rose 6.2%. The largest part of its loan book on June 30, 2026 was multifamily loans, at 97.4% of total loans, ahead of 1-4 family residential loans at 1.9%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities across 3 states; its Los Angeles office books 88% of its branch deposits. On its Q2 2026 call report, Oneunited Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 185 Devonshire St, Boston, MA 02110
- County
- Suffolk
- Metro Area
- Boston-Cambridge-Newton, MA-NH
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- August 2, 1982
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 102
- Domestic deposits
- $511.7M
- Allowance for credit losses
- $1.6M
- Net charge-offs (YTD)
- $4K
- Average total assets
- $630.6M
- Average total loans
- $409.5M
- Average interest-bearing deposits
- $439.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 2, 1982
- FDIC Cert
- 23966
- Fed RSSD
- 935308
- Website
- www.oneunited.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Oneunited Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Oneunited Bank's total assets ran between $572.7M (Q3 2024) and $761.7M (Q4 2025), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$637.9M total assets against $606.8M; $578.7M total liabilities against $547.2M.
$407.8M net loans and leases against $406.9M; $511.7M total deposits against $517.4M.
$167.4M securities against $125.9M; $29.5M cash and balances due against $43.9M.
$6.3M total interest income against $5.9M; $3.0M total interest expense against $2.4M.
$3.3M net interest income against $3.5M.
$2.7M total noninterest income against $3.0M; $6.8M total noninterest expense against $7.2M.
$0 provision for credit losses against $0.
-$918K net income against $215K.
-0.58% return on assets against 0.14%; 2.18% net interest margin against 2.38%.
10.43% tier 1 leverage ratio against 11.08%.
Inside the full Oneunited Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Oneunited Bank rankings
Its closest position to the top of a national ranking is 1,476 of 4,196, for total assets; its furthest is 3,578 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -1.15% (Q1 2026) to 0.66% (Q3 2025) and its net interest margin ran from 2.18% (Q2 2026) to 2.70% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.43% | -0.58% | 0.42% | 2.85% | 2.18% |
| Q1 2026 | 10.83% | -1.15% | 0.19% | 1.27% | 2.37% |
| Q4 2025 | 10.90% | -0.19% | 0.15% | 0.93% | 2.27% |
| Q3 2025 | 11.17% | 0.66% | 0.04% | 0.25% | 2.41% |
| Q2 2025 | 11.08% | 0.14% | 0.04% | 0.24% | 2.38% |
| Q1 2025 | 11.12% | 0.29% | 0.01% | 0.09% | 2.64% |
| Q4 2024 | 11.38% | 0.31% | 0.03% | 0.20% | 2.69% |
| Q3 2024 | 10.95% | 0.27% | 0.13% | 0.86% | 2.70% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Crenshaw Branch | Los Angeles , CA | 90016 | $452.0M |
| 79th Street Branch | Miami , FL | 33147 | $21.3M |
| Compton Branch | Compton , CA | 90222 | $19.1M |
| Grove Hall Branch | Dorchester , MA | 02121 | $17.8M |
| Oneunited Bank (main office) | Boston , MA | 02110 | $1.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2003 | Structure Change | Acquired Family Savings Bank, F.S.B. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2001 | Structure Change | Acquired Founders National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 30, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 11, 1999 | Structure Change | Acquired Peoples National Bank of Commerce Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| September 10, 1999 | Merger | Participated in FDIC Assisted Merger | FDIC |
| August 2, 1982 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 2, 1982 | Structure Change | Acquired Unity Bank and Trust Company Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MA, rank 112 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 8 loans, $1.6M approved, $196K average. 12.50% of that year's loans have since been charged off
- Period: Federal fiscal year 2001 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Oneunited Bank
What are Oneunited Bank's total assets?
As of the Q2 2026 filing, Oneunited Bank reported total assets of $637.9 million in its FFIEC call report.
Where is Oneunited Bank headquartered?
It is headquartered in Boston, MA, United States.
When was Oneunited Bank founded?
It was established in 1982, per the FDIC institution directory.
Is Oneunited Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #23966). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Oneunited Bank?
Oneunited Bank's primary federal regulator is the FDIC.
How many branches does Oneunited Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Oneunited Bank's Texas Ratio?
Its Texas Ratio is 2.85% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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