Unibank
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Data as of · sourced from FFIEC call reports. How we update
Unibank is an FDIC-insured commercial bank headquartered in Lynnwood, WA, established in 2006 (FDIC certificate 58407), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $393.0M, down 4.0% from Q2 2025, the 19th largest of 29 banks headquartered in Washington. Its CET1 capital ratio was 10.25% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 58407
- Headquarters
- Lynnwood, WA
- Established
- 2006
- Total assets, Q2 2026
- $393.0M
- Assets vs Q2 2025
- -4.0%
- CET1 ratio, Q2 2026
- 10.25%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 125108861
- Holding company
- U & I FINANCIAL CORP.
- Asset rank in state
- 19th of 29 in Washington
Unibank spends more to run itself than most banks of its size. The Lynnwood, Washington bank had $393 million in assets at June 30, 2026, down 4.0% from a year earlier. It loses about $0.37 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 149 cents to bring in each dollar of revenue, 2.4 times the median of 61 cents for banks its size.
It lost $364,000 in the quarter. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.02% of loans from 0.35%. Its margin is thin by comparison: it keeps 2.40 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, Unibank reported a CET1 capital ratio of 10.25%, a return on assets of -0.37%, a nonperforming-loan ratio of 0.54% and a Texas ratio of 0.14%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Unibank is the 19th largest of the 29 banks headquartered in Washington. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.2% to $393.0M, loans rose 1.5% and deposits fell 2.8%. Non-owner-occupied commercial real estate loans made up 38.2% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 29.5%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in WA; its Lynnwood office books 43% of its branch deposits. By the capital ratios in its Q2 2026 call report, Unibank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 19315 Highway 99, Lynnwood, WA 98036
- County
- Snohomish
- Metro Area
- Seattle-Tacoma-Bellevue, WA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 1, 2006
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 50
- Domestic deposits
- $322.6M
- Allowance for credit losses
- $2.9M
- Net charge-offs (YTD)
- -$1.9M
- Average total assets
- $393.5M
- Average total loans
- $270.1M
- Average interest-bearing deposits
- $272.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 1, 2006
- FDIC Cert
- 58407
- Fed RSSD
- 3487947
- Website
- www.unibankusa.com →
- Parent Holding Company
- U & I FINANCIAL CORP. (RSSD 4125086)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Unibank's total assets ran between $393.0M (Q2 2026) and $612.1M (Q3 2023), and it earned a profit in 3 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$393.0M total assets against $409.4M; $364.8M total liabilities against $381.6M.
$267.8M net loans and leases against $314.3M; $322.6M total deposits against $359.1M.
$61.6M securities against $43.1M; $51.7M cash and balances due against $39.2M.
$5.2M total interest income against $5.9M; $2.9M total interest expense against $3.3M.
$2.3M net interest income against $2.7M.
$200K total noninterest income against $29K; $3.9M total noninterest expense against $3.3M.
-$984K provision for credit losses against -$2.2M.
-$364K net income against $778K.
-0.37% return on assets against 0.75%; 2.40% net interest margin against 2.63%.
10.25% CET1 capital ratio against 9.22%; 7.31% tier 1 leverage ratio against 7.18%.
Inside the full Unibank 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).
Unibank rankings
Its closest position to the top of a national ranking is 2,080 of 4,196, for total assets; its furthest is 3,600 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -11.89% (Q4 2024) to 0.75% (Q2 2025) and its net interest margin ran from 1.87% (Q4 2024) to 3.01% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.25% | -0.37% | 0.54% | 0.14% | 2.40% |
| Q1 2026 | 10.63% | -0.13% | 0.56% | 0.27% | 3.01% |
| Q4 2025 | 9.98% | -0.56% | 1.78% | 2.57% | 2.53% |
| Q3 2025 | 9.62% | -0.22% | 1.77% | 2.75% | 2.53% |
| Q2 2025 | 9.22% | 0.75% | 1.76% | 3.48% | 2.63% |
| Q1 2025 | 7.76% | -1.69% | 2.78% | 16.08% | 2.34% |
| Q4 2024 | 7.53% | -11.89% | 2.79% | 7.39% | 1.87% |
| Q3 2024 | 9.33% | -10.31% | 1.70% | 6.34% | 2.37% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Unibank (main office) | Lynnwood , WA | 98036 | $137.3M |
| Tacoma Branch | Lakewood , WA | 98499 | $85.9M |
| Federal Way Branch | Federal Way , WA | 98003 | $54.8M |
| Bellevue Branch | Bellevue , WA | 98006 | $44.6M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve). These actions name the parent holding company, U & I FINANCIAL CORP., not the bank itself
- October 21, 2024, Federal Reserve: Written Agreement: U & I Financial Corp., Lynnwood, Washington and UniBank, Lynnwood, Washington
- Period: Most recent institution action October 21, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in WA, rank 37 of 61 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 18 applications, 9 loans originated, $10.4M originated, across 2 states
- Period: Calendar year 2024. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 6 loans, $7.2M approved, $1.2M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Unibank
What are Unibank's total assets?
As of the Q2 2026 filing, Unibank reported total assets of $393.0 million in its FFIEC call report.
Where is Unibank headquartered?
It is headquartered in Lynnwood, WA, United States.
When was Unibank founded?
It was established in 2006, per the FDIC institution directory.
Is Unibank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58407). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Unibank?
Unibank's primary federal regulator is the Federal Reserve.
What is Unibank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.25% in its Q2 2026 call report, above regulatory requirements.
How many branches does Unibank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Unibank's Texas Ratio?
Its Texas Ratio is 0.14% 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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