United Orient Bank
BankRegReports is independent of United Orient Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
United Orient Bank is an FDIC-insured commercial bank headquartered in New York, NY, established in 1981 (FDIC certificate 23373), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $101.4M, down 0.4% from Q2 2025, the 100th largest of 105 banks headquartered in New York. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.53% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 23373
- Headquarters
- New York, NY
- Established
- 1981
- Total assets, Q2 2026
- $101.4M
- Assets vs Q2 2025
- -0.4%
- Tier 1 leverage ratio, Q2 2026
- 12.53%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 026002752
- Latest call report
- Q2 2026, FFIEC 041 · United Orient Bank call report
- Asset rank in state
- 100th of 105 in New York
United Orient Bank spends more to run itself than most banks of its size. The New York, New York bank had $101 million in assets at June 30, 2026. It loses about $0.11 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 102 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
It lost $28,000 in the quarter. Delinquency has appeared in its $43 million multifamily book: 2.34% of those loans are past due or on nonaccrual, against almost none a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 4.3 times its capital, 3.6 times the median of 1.2 times for banks its size.
As of June 30, 2026, United Orient Bank reported a return on assets of -0.11%, a nonperforming-loan ratio of 0.80% and a Texas ratio of 4.82%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, United Orient Bank is the 100th largest of the 105 banks headquartered in New York. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.4% to $101.4M, loans rose 2.4% and deposits fell 3.1%. The largest part of its loan book on June 30, 2026 was multifamily loans, at 50.0% of total loans, ahead of 1-4 family residential loans at 20.5%. The FDIC Summary of Deposits lists 2 offices for it, in New York, NY and New York City, NY; its New York office books 60% of its branch deposits. By the capital ratios in its Q2 2026 call report, United Orient Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 10 Chatham Sq, New York, NY 10038
- County
- New York
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- 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 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- April 9, 1981
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 22
- Domestic deposits
- $69.3M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- $0
- Average total assets
- $104.3M
- Average total loans
- $86.9M
- Average interest-bearing deposits
- $51.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 9, 1981
- FDIC Cert
- 23373
- Fed RSSD
- 70218
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, United Orient Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, United Orient Bank's total assets ran between $91.9M (Q3 2024) and $103.9M (Q1 2026), and it earned a profit in 2 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$101.4M total assets against $101.8M; $88.3M total liabilities against $88.6M.
$84.2M net loans and leases against $76.9M; $69.3M total deposits against $68.6M.
$2.0M securities against $1.9M; $8.5M cash and balances due against $15.2M.
$1.6M total interest income against $1.6M; $507K total interest expense against $515K.
$1.1M net interest income against $1.1M.
$49K total noninterest income against $54K; $1.2M total noninterest expense against $1.1M.
No provision recorded in the last 12 quarters.
-$28K net income against -$5K.
-0.11% return on assets against -0.02%; 4.36% net interest margin against 4.61%.
12.53% tier 1 leverage ratio against 12.95%.
Inside the full United Orient Bank 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
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).
United Orient Bank rankings
Its closest position to the top of a national ranking is 1,388 of 3,640, for Texas Ratio; its furthest is 3,555 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.31% (Q3 2024) to -0.02% (Q2 2025) and its net interest margin ran from 4.32% (Q4 2025) to 4.78% (Q4 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.53% | -0.11% | 0.80% | 4.82% | 4.36% |
| Q1 2026 | 12.81% | -0.13% | 0.83% | 4.86% | 4.47% |
| Q4 2025 | 12.97% | -0.21% | 0.85% | 4.94% | 4.32% |
| Q3 2025 | 13.08% | -0.18% | 0.79% | 4.44% | 4.38% |
| Q2 2025 | 12.95% | -0.02% | 0.81% | 4.43% | 4.61% |
| Q1 2025 | 13.34% | -0.27% | 0.89% | 4.93% | 4.53% |
| Q4 2024 | 13.90% | -0.23% | 0.93% | 4.97% | 4.78% |
| Q3 2024 | 14.15% | -0.31% | 0.96% | 5.02% | 4.76% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| United Orient Bank (main office) | New York , NY | 10038 | $41.9M |
| United Orient Bank Branch | New York City , NY | 10013 | $27.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NY, rank 159 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 3 loans, $230K approved, $77K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1995 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows United Orient Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about United Orient Bank
What are United Orient Bank's total assets?
As of the Q2 2026 filing, United Orient Bank reported total assets of $101.4 million in its FFIEC call report.
Where is United Orient Bank headquartered?
It is headquartered in New York, NY, United States.
When was United Orient Bank founded?
It was established in 1981, per the FDIC institution directory.
Is United Orient Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #23373). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates United Orient Bank?
United Orient Bank's primary federal regulator is the FDIC.
How many branches does United Orient Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is United Orient Bank's Texas Ratio?
Its Texas Ratio is 4.82% 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.
Go deeper on United Orient Bank.
Get an email when United Orient Bank files its next call report, and benchmark it against any peer you choose.
Unlock United Orient Bank, freeFree account