Unibank for Savings: 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 dropped 5.76 percentage points in Q2 2026, from 89.38% to 83.62%. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, Unibank for Savings is 18th of 89 on return on assets, 1.11% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Unibank for Savings sits 0.16 points lower, at 1.11% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.02% |
| Tier 1 risk-based capital ratio | 14.02% |
| Total risk-based capital ratio | 15.27% |
| Tier 1 leverage ratio | 8.83% |
| Equity capital to assets | 7.60% |
| Tangible equity to tangible assets | 7.60% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.70% |
| Non-performing assets ratio | 0.48% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 5.65% |
| Allowance for credit losses to loans | 1.42% |
| Reserve coverage of non-performing loans | 203.03% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.11% |
| Return on equity | 15.00% |
| Net interest margin | 2.97% |
| Efficiency ratio | 54.73% |
| Yield on earning assets | 4.37% |
| Cost of funds | 1.52% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.62% |
| Core deposits to total deposits | 94.82% |
| Brokered deposits to total deposits | 14.80% |
| Deposits to assets | 82.80% |
| Securities to assets | 18.73% |
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 | 12.03% | 12.03% | 13.28% | 8.41% | 0.86% |
| Q4 2023 | 12.48% | 12.48% | 13.74% | 8.57% | 0.65% |
| Q1 2024 | 12.82% | 12.82% | 14.08% | 8.79% | 0.66% |
| Q2 2024 | 13.11% | 13.11% | 14.36% | 8.37% | 0.75% |
| Q3 2024 | 13.15% | 13.15% | 14.41% | 8.85% | 0.63% |
| Q4 2024 | 13.04% | 13.04% | 14.29% | 9.11% | 0.67% |
| Q1 2025 | 12.85% | 12.85% | 14.10% | 8.88% | 0.59% |
| Q2 2025 | 13.17% | 13.17% | 14.42% | 8.45% | 0.84% |
| Q3 2025 | 13.35% | 13.35% | 14.60% | 8.91% | 0.88% |
| Q4 2025 | 13.39% | 13.39% | 14.64% | 9.06% | 0.76% |
| Q1 2026 | 13.86% | 13.86% | 15.11% | 9.10% | 0.92% |
| Q2 2026 | 14.02% | 14.02% | 15.27% | 8.83% | 1.11% |
Unibank for Savings vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Unibank for Savings, 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 for Savings profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90290) · FFIEC NIC profile (RSSD 709602)