Oneunited Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 117.85 percentage points in Q2 2026, from 210.59% to 92.74%. It was the largest change from Q1 2026 among the key lines here. Oneunited Bank has the 2nd lowest return on assets of the 89 banks headquartered in Massachusetts, at -0.58% as of Q2 2026. Oneunited Bank's return on assets of -0.58% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.84 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.43% |
| Equity capital to assets | 9.29% |
| Tangible equity to tangible assets | 9.29% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.42% |
| Non-performing assets ratio | 0.27% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 2.85% |
| Allowance for credit losses to loans | 0.39% |
| Reserve coverage of non-performing loans | 92.74% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.58% |
| Return on equity | -6.15% |
| Net interest margin | 2.18% |
| Efficiency ratio | 111.20% |
| Yield on earning assets | 4.13% |
| Cost of funds | 2.10% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.00% |
| Core deposits to total deposits | 71.12% |
| Brokered deposits to total deposits | 27.06% |
| Deposits to assets | 80.21% |
| Securities to assets | 26.25% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.58% | 1.66% | 2.86% | 0.64% | 0.02% |
| Q4 2023 | 10.70% | 0.37% | 2.82% | 0.65% | 0.03% |
| Q1 2024 | 10.67% | 0.28% | 2.73% | 0.55% | 0.02% |
| Q2 2024 | 10.78% | 0.60% | 2.90% | 0.76% | 0.03% |
| Q3 2024 | 10.95% | 0.27% | 2.70% | 0.30% | 0.01% |
| Q4 2024 | 11.38% | 0.31% | 2.69% | 0.20% | 0.02% |
| Q1 2025 | 11.12% | 0.29% | 2.64% | 0.19% | 0.02% |
| Q2 2025 | 11.08% | 0.14% | 2.38% | 0.21% | 0.02% |
| Q3 2025 | 11.17% | 0.66% | 2.41% | 0.03% | 0.02% |
| Q4 2025 | 10.90% | -0.19% | 2.27% | 0.14% | 0.01% |
| Q1 2026 | 10.83% | -1.15% | 2.37% | 0.19% | -0.01% |
| Q2 2026 | 10.43% | -0.58% | 2.18% | 0.42% | 0.01% |
Oneunited Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Oneunited Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Oneunited Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23966) · FFIEC NIC profile (RSSD 935308)