United Pacific Bank
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Data as of · sourced from FFIEC call reports. How we update
United Pacific Bank is an FDIC-insured commercial bank headquartered in City of Industry, CA, established in 1982 (FDIC certificate 23805), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $191.0M, up 8.2% from Q2 2025, the 100th largest of 113 banks headquartered in California. It reports no CET1 ratio; its Tier 1 leverage ratio was 17.39% 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
- 23805
- Headquarters
- City of Industry, CA
- Established
- 1982
- Total assets, Q2 2026
- $191.0M
- Assets vs Q2 2025
- +8.2%
- Tier 1 leverage ratio, Q2 2026
- 17.39%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 122039179
- Latest call report
- Q2 2026, FFIEC 051 · United Pacific Bank call report
- Asset rank in state
- 100th of 113 in California
Problem loans are rising at United Pacific Bank. It reported $191 million in assets at June 30, 2026, up 8.2% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.51% of loans from 0.00% a year earlier. It returns 2.6% a year on shareholders' equity, a small fraction of the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 85 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Delinquency has appeared in its $101 million non-owner-occupied commercial real estate book: 3.64% of those loans are past due or on nonaccrual, against almost none a year earlier. Loans are outrunning deposits: over the year loans rose 18.6% and deposits rose 10.0%. Funding is the softer spot: it pays an average of 3.11% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
As of June 30, 2026, United Pacific Bank reported a return on assets of 0.45%, a nonperforming-loan ratio of 2.51% and a Texas ratio of 11.13%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, United Pacific Bank is the 100th largest of the 113 banks headquartered in California. Between Q1 2026 and Q2 2026, its total assets rose 2.1% to $191.0M, loans rose 10.9% and deposits rose 2.5%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 65.4% of total loans, ahead of owner-occupied commercial real estate loans at 18.1%. Its 2 offices in the FDIC Summary of Deposits are in Montery Park, CA and City Of Industry, CA; its Montery Park office books 61% of its branch deposits. By the capital ratios in its Q2 2026 call report, United Pacific Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1630 S Azusa Ave, City of Industry, CA 91748
- County
- Los Angeles
- Metro Area
- Los Angeles-Long Beach-Anaheim, CA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 11, 1982
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 33
- Domestic deposits
- $156.8M
- Allowance for credit losses
- $2.5M
- Net charge-offs (YTD)
- $0
- Average total assets
- $185.8M
- Average total loans
- $143.3M
- Average interest-bearing deposits
- $141.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 11, 1982
- FDIC Cert
- 23805
- Fed RSSD
- 609467
- Website
- www.upbnet.com →
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 Pacific Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, United Pacific Bank's total assets ranged from $151.0M (Q4 2023) to $191.0M (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
$191.0M total assets against $176.5M; $158.8M total liabilities against $144.9M.
$152.0M net loans and leases against $127.4M; $156.8M total deposits against $142.6M.
$9.5M securities against $13.5M; $25.3M cash and balances due against $30.8M.
$3.1M total interest income against $2.9M; $1.2M total interest expense against $1.2M.
$1.9M net interest income against $1.7M.
$56K total noninterest income against $117K; $1.7M total noninterest expense against $1.5M.
-$5K provision for credit losses against $7K.
$211K net income against $215K.
0.45% return on assets against 0.50%; 4.20% net interest margin against 4.00%.
17.39% tier 1 leverage ratio against 18.45%.
Inside the full United Pacific 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.
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 Pacific Bank rankings
Its closest position to the top of a national ranking is 539 of 3,640, for Texas Ratio; its furthest is 3,367 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.02% (Q4 2024) to 0.91% (Q3 2024) and its net interest margin ran from 3.84% (Q4 2025) to 4.73% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.39% | 0.45% | 2.51% | 11.13% | 4.20% |
| Q1 2026 | 17.30% | 0.35% | 0.15% | 0.60% | 3.96% |
| Q4 2025 | 17.13% | 0.27% | 0.16% | 0.63% | 3.84% |
| Q3 2025 | 17.66% | 0.51% | 0.16% | 0.65% | 4.03% |
| Q2 2025 | 18.45% | 0.50% | 0.00% | 0.00% | 4.00% |
| Q1 2025 | 19.43% | 0.18% | 0.00% | 0.00% | 3.90% |
| Q4 2024 | 20.16% | 0.02% | 0.00% | 0.00% | 4.13% |
| Q3 2024 | 20.14% | 0.91% | 0.00% | 0.00% | 4.73% |
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 |
|---|---|---|---|
| San Gabriel Valley Regional Office | Montery Park , CA | 91754 | $95.6M |
| United Pacific Bank (main office) | City Of Industry , CA | 91748 | $61.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CA, rank 141 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 4 loans, $1.5M approved, $372K 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).
- Consumer complaints
- 5 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2013-Q1 to 2016-Q3. Source: CFPB consumer complaint database.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 United Pacific Bank
What are United Pacific Bank's total assets?
As of the Q2 2026 filing, United Pacific Bank reported total assets of $191.0 million in its FFIEC call report.
Where is United Pacific Bank headquartered?
It is headquartered in City of Industry, CA, United States.
When was United Pacific Bank founded?
It was established in 1982, per the FDIC institution directory.
Is United Pacific Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #23805). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates United Pacific Bank?
United Pacific Bank's primary federal regulator is the FDIC.
How many branches does United Pacific 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 Pacific Bank's Texas Ratio?
Its Texas Ratio is 11.13% 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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