$402M
−9.0%y/y
Percentile by value28th percentileby value
FDIC
ASSETU
UniBank
Lynnwood, WashingtonFDIC Cert #58407
STATEEstablished 20064 branches
Holding company: U&I FINANCIAL CORPRegulator: FED
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportUniBank reported $402M in total assets. Deposits declined 13.46% over the prior year.
Return on assets was −0.13%, compared with an asset-peer median of 1.22%. The leverage ratio was 7.18%.
- Why is Efficiency Ratio above asset peers?
- Why is Net Loan Growth, Year over Year below asset peers?
- Why is Return on Assets below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$332M
−13.5%y/y
Percentile by value26th percentileby value
FDIC
DEP$264M
−26.6%y/y
Percentile by value29th percentileby value
FDIC
LNLSNET−0.13%
+157 bpsy/y
Peer standing2nd percentile
FDIC
NETINC + ROA127.95%
+2,676 bpsy/y
Peer standing1st percentile
FDIC
NONIX + NIM + NONII + EEFFR7.18%
+120 bpsy/y
Peer standing1st percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,446 banks from $300 million to $1 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $417M | $348M |
| Q3 2021 | $438M | $365M |
| Q4 2021 | $456M | $375M |
| Q1 2022 | $479M | $400M |
| Q2 2022 | $523M | $428M |
| Q3 2022 | $551M | $470M |
| Q4 2022 | $587M | $488M |
| Q1 2023 | $590M | $504M |
| Q2 2023 | $607M | $517M |
| Q3 2023 | $612M | $522M |
| Q4 2023 | $610M | $514M |
| Q1 2024 | $595M | $475M |
| Q2 2024 | $572M | $452M |
| Q3 2024 | $569M | $468M |
| Q4 2024 | $522M | $440M |
| Q1 2025 | $442M | $384M |
| Q2 2025 | $409M | $359M |
| Q3 2025 | $395M | $345M |
| Q4 2025 | $409M | $338M |
| Q1 2026 | $402M | $332M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $59M |
| Investor CRE | $104M |
| Multifamily | $6.4M |
| Construction | $613K |
| 1–4 family | $88.1M |
| C&I | $9.86M |
| Agriculture | $0 |
| Other |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA−0.13%2nd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.22%90th 2.15%Observations 1,446
ROE
FDIC
NETINC + ROE−1.92%2nd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.97%Median 12.06%90th 20.86%Observations 1,446
NIM
FDIC
NIM + NIMY3.06%13th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.83%90th 4.76%Observations 1,449
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR127.95%1st percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.95%Median 62.41%90th 83.12%Observations 1,446
Deposits YoY
FDIC
DEP−13.46%1st percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.15%90th +13.95%Observations 1,446
Loans YoY
FDIC
LNLSNET−26.63%0th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.18%Median +5.90%90th +17.62%Observations 1,442
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.56%42nd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 2.12%Observations 1,443
Leverage
FDIC
RBC1AAJ7.18%1st percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.64%90th 14.93%Observations 1,449
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM4.25%2nd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.44%90th 3.46%Observations 1,443
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC344%93rd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 44%Median 170%90th 317%Observations 861
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA−0.13%14th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.34%Median 0.96%90th 1.47%Observations 30
ROE
FDIC
NETINC + ROE−1.92%14th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −3.96%Median 8.71%90th 15.41%Observations 30
NIM
FDIC
NIM + NIMY3.06%24th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.68%Median 3.68%90th 4.69%Observations 30
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR127.95%3rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 53.23%Median 65.30%90th 95.89%Observations 30
Deposits YoY
FDIC
DEP−13.46%3rd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −6.91%Median +3.29%90th +24.93%Observations 30
Loans YoY
FDIC
LNLSNET−26.63%0th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −6.22%Median +2.31%90th +14.53%Observations 30
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.56%48th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.05%Median 0.53%90th 1.67%Observations 30
Leverage
FDIC
RBC1AAJ7.18%7th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 7.99%Median 10.66%90th 13.17%Observations 30
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM4.25%3rd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.26%Median 2.30%90th 3.98%Observations 30
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC344%90th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 114%Median 249%90th 344%Observations 21
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA−0.13%0th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.14%Median 0.62%90th 1.26%Observations 5
ROE
FDIC
NETINC + ROE−1.92%0th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 1.01%Median 7.41%90th 11.92%Observations 5
NIM
FDIC
NIM + NIMY3.06%25th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.60%Median 3.57%90th 4.34%Observations 5
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR127.95%0th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 60.65%Median 76.05%90th 111.07%Observations 5
Deposits YoY
FDIC
DEP−13.46%0th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −10.80%Median +5.98%90th +7.46%Observations 5
Loans YoY
FDIC
LNLSNET−26.63%0th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −17.67%Median −0.72%90th +12.21%Observations 5
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.56%50th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.25%Median 0.56%90th 0.78%Observations 5
Leverage
FDIC
RBC1AAJ7.18%0th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 7.94%Median 9.69%90th 11.49%Observations 5
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM4.25%0th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.54%Median 3.31%90th 4.23%Observations 5
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC344%75th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 168%Median 317%90th 407%Observations 5
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 4 branches
- Headquarters
- Lynnwood, WA
FDIC
OFFDOMOpen the Washington dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data