Unibank for Savings
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Data as of · sourced from FFIEC call reports. How we update
Unibank for Savings is an FDIC-insured commercial bank headquartered in Whitinsville, MA, established in 1870 (FDIC certificate 90290), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $3.11B, up 5.8% from Q2 2025, the 16th largest of 89 banks headquartered in Massachusetts. Its CET1 capital ratio was 14.02% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 90290
- Headquarters
- Whitinsville, MA
- Established
- 1870
- Total assets, Q2 2026
- $3.11B
- Assets vs Q2 2025
- +5.8%
- CET1 ratio, Q2 2026
- 14.02%
- Domestic offices
- 15 FDIC institution directory, current count
- Routing number
- 211372378
- Latest call report
- Q2 2026, FFIEC 041 · Unibank for Savings call report
- Holding company
- UFS BANCORP
- Asset rank in state
- 16th of 89 in Massachusetts
Unibank for Savings operates with a thinner capital cushion than most banks of its size. It reported $3.1 billion in assets at June 30, 2026, up 5.8% from a year earlier. It funds 8.83% of its assets with Tier 1 capital, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 10.52%). It also keeps 2.97 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.71 cents).
Earnings jumped: net income for the quarter was $8.7 million, 38% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $56 million equal 20% of Tier 1 capital, down from 26% a year earlier. One more trend to watch: problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.61% of loans from 0.49% a year earlier.
As of June 30, 2026, Unibank for Savings reported a CET1 capital ratio of 14.02%, a return on assets of 1.11%, a nonperforming-loan ratio of 0.62% and a Texas ratio of 4.95%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Unibank for Savings is the 16th largest of the 89 banks headquartered in Massachusetts. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 6.6% to $3.11B, loans rose 1.8% and deposits rose 8.8%. 1-4 family residential loans made up 41.9% of its total loans on June 30, 2026, its largest category; next came other consumer loans at 33.1%. Its 15 offices in the FDIC Summary of Deposits are in 11 cities in MA; its Whitinsville 2 offices book 67% of its branch deposits. Judged on its Q2 2026 call report, Unibank for Savings meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 49 Church St, Whitinsville, MA 01588
- County
- Worcester
- Metro Area
- Worcester, MA
- 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
- June 3, 1870
- Domestic offices
- 15 FDIC institution directory, current count
- Employees (FTE)
- 284
- Domestic deposits
- $2.57B
- Allowance for credit losses
- $30.6M
- Net charge-offs (YTD)
- $112K
- Average total assets
- $3.13B
- Average total loans
- $2.13B
- Average interest-bearing deposits
- $2.23B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- September 10, 1985
- FDIC Cert
- 90290
- Fed RSSD
- 709602
- SEC CIK
- 1826995 → filed by UFS BANCORP
- Website
- www.unibank.com →
- Parent Holding Company
- UFS BANCORP (RSSD 2465519)
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
Unibank for Savings's total assets moved between a low of $2.51B (Q4 2023) and a high of $3.11B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$3.11B total assets against $2.94B; $2.87B total liabilities against $2.73B.
$2.12B net loans and leases against $2.06B; $2.57B total deposits against $2.47B.
$582.4M securities against $487.8M; $328.5M cash and balances due against $311.3M.
$33.5M total interest income against $31.6M; $10.8M total interest expense against $11.3M.
$22.7M net interest income against $20.3M.
$4.6M total noninterest income against $4.2M; $15.0M total noninterest expense against $14.4M.
$700K provision for credit losses against $1.5M.
$8.7M net income against $6.3M.
1.11% return on assets against 0.84%; 2.97% net interest margin against 2.77%.
14.02% CET1 capital ratio against 13.17%; 8.83% tier 1 leverage ratio against 8.45%.
Inside the full Unibank for Savings terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeUnibank for Savings rankings
Its closest position to the top of a national ranking is 406 of 4,196, for total assets; its furthest is 2,250 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.59% (Q1 2025) to 1.11% (Q2 2026) and its net interest margin ran from 2.52% (Q3 2024) to 2.97% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.02% | 1.11% | 0.62% | 4.95% | 2.97% |
| Q1 2026 | 13.86% | 0.92% | 0.68% | 5.51% | 2.94% |
| Q4 2025 | 13.39% | 0.76% | 0.75% | 6.33% | 2.93% |
| Q3 2025 | 13.35% | 0.88% | 0.55% | 4.74% | 2.82% |
| Q2 2025 | 13.17% | 0.84% | 0.49% | 4.30% | 2.77% |
| Q1 2025 | 12.85% | 0.59% | 0.22% | 1.98% | 2.61% |
| Q4 2024 | 13.04% | 0.67% | 0.23% | 2.11% | 2.53% |
| Q3 2024 | 13.15% | 0.63% | 0.21% | 1.76% | 2.52% |
Swipe the table sideways to see every column.
Branch Network
View all 15 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 for Savings (main office) | Whitinsville , MA | 01588 | $1.71B |
| North Main Street Branch | Uxbridge , MA | 01569 | $150.3M |
| Worcester Branch | Worcester , MA | 01605 | $137.8M |
| Douglas Branch | Douglas , MA | 01516 | $118.4M |
| Blackstone Branch | Blackstone , MA | 01504 | $79.8M |
| Upton Branch | Upton , MA | 01568 | $76.9M |
| Milford Branch | Milford , MA | 01757 | $69.6M |
| Galaxy Pass Sutton Branch | Sutton , MA | 01590 | $60.8M |
| Grafton Branch | North Grafton , MA | 01536 | $47.8M |
| Hopkinton Branch | Hopkinton , MA | 01748 | $32.8M |
| Shrewsbury Branch | Shrewsbury , MA | 01545 | $32.7M |
| Whitinsville Plaza Branch | Whitinsville , MA | 01588 | $22.6M |
| Sutton Branch | Sutton , MA | 01590 | $20.4M |
| Worcester - Polar Park Branch | Worcester , MA | 01610 | $10.4M |
| Willows Branch | Worcester , MA | 01609 | $2.2M |
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 19, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 19, 1988 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in MA, rank 21 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 694 applications, 470 loans originated, $211.9M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $70K approved, $35K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 for Savings
What are Unibank for Savings's total assets?
As of the Q2 2026 filing, Unibank for Savings reported total assets of $3.11 billion in its FFIEC call report.
Where is Unibank for Savings headquartered?
It is headquartered in Whitinsville, MA, United States.
When was Unibank for Savings founded?
It was established in 1870, per the FDIC institution directory.
Is Unibank for Savings FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #90290). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Unibank for Savings?
Unibank for Savings's primary federal regulator is the FDIC.
What is Unibank for Savings's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.02% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Unibank for Savings operate?
It operates 15 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Unibank for Savings's Texas Ratio?
Its Texas Ratio is 4.95% 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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