Unibank: 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.
Loan-to-deposit ratio climbed 3.61 percentage points in Q2 2026, from 80.34% to 83.95%. It was the largest change from Q1 2026 among the key lines here. Unibank ranks 26th of 29 Washington banks on return on assets, in the lower half at -0.37% (Q2 2026). Unibank's return on assets of -0.37% is well below the 1.26% median for banks in the $100M-1B asset tier, a gap of 1.63 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.25% |
| Tier 1 risk-based capital ratio | 10.25% |
| Total risk-based capital ratio | 11.30% |
| Tier 1 leverage ratio | 7.31% |
| Equity capital to assets | 7.17% |
| Tangible equity to tangible assets | 7.17% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.54% |
| Non-performing assets ratio | 0.37% |
| Net charge-off ratio | -1.34% |
| Texas ratio | 0.14% |
| Allowance for credit losses to loans | 1.08% |
| Reserve coverage of non-performing loans | 201.44% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.37% |
| Return on equity | -5.17% |
| Net interest margin | 2.40% |
| Efficiency ratio | 149.44% |
| Yield on earning assets | 5.38% |
| Cost of funds | 3.13% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.95% |
| Core deposits to total deposits | 61.53% |
| Brokered deposits to total deposits | 20.02% |
| Deposits to assets | 82.07% |
| Securities to assets | 15.68% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 16.54% | 16.54% | 17.61% | 13.26% | 1.55% |
| Q4 2023 | 12.55% | 12.55% | 13.87% | 10.16% | -11.87% |
| Q1 2024 | 12.62% | 12.62% | 13.89% | 10.22% | 0.87% |
| Q2 2024 | 12.82% | 12.82% | 14.10% | 10.22% | -0.55% |
| Q3 2024 | 9.33% | 9.33% | 10.62% | 7.22% | -10.31% |
| Q4 2024 | 7.53% | 7.53% | 8.80% | 5.60% | -11.89% |
| Q1 2025 | 7.76% | 7.76% | 9.01% | 5.98% | -1.69% |
| Q2 2025 | 9.22% | 9.22% | 10.43% | 7.18% | 0.75% |
| Q3 2025 | 9.62% | 9.62% | 10.63% | 7.32% | -0.22% |
| Q4 2025 | 9.98% | 9.98% | 10.92% | 7.22% | -0.56% |
| Q1 2026 | 10.63% | 10.63% | 11.74% | 7.18% | -0.13% |
| Q2 2026 | 10.25% | 10.25% | 11.30% | 7.31% | -0.37% |
Unibank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Unibank, 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 Unibank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58407) · FFIEC NIC profile (RSSD 3487947)