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United Orient Bank

New York, NY · Cert 23373 · Peer group: banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30-31)

State charter, non-member · FDIC · 2 branches

Q2 2026

$101.4MAssets
$85.2MLoans
$69.3MDeposits
$13.1MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 17 of 30).
  • Widest gap: total risk-based capital ratio trails 90% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 28 of 31).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

-0.12%

Rank 26 of 31

Net Interest Margin

4.19%

Rank 6 of 31

Efficiency Ratio

102.67%

Rank 26 of 31

Equity / Assets

12.88%

Rank 18 of 31

Non-interest income vs. expense

$0.2M$4.7MINCOMEEXPENSE
Unfavorable gap of $4.5M · efficiency ratio beats 19% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 102.67%Peer median 83.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.12%-0.02%0.39%0.84%Beats 16%26 / 31
Return on Equity-0.95%-0.19%2.57%5.72%Beats 16%26 / 31
Net Interest Margin4.19%2.51%3.30%3.85%Beats 81%6 / 31
Efficiency Ratio102.67%68.41%83.66%91.76%Beats 19%26 / 31
Asset Quality
Nonperforming Loans / Loans0.80%0.18%0.47%2.65%Beats 37%20 / 30
Net Charge-Offs / Loans0.00%n/an/a0.02%Beats 100%17 / 30
Capital
Tier 1 Capital Ratio12.53%13.24%15.54%26.77%Beats 16%26 / 31
Total Risk-Based Capital Ratio12.53%14.07%16.32%26.77%Beats 10%28 / 31
Equity / Assets12.88%10.38%13.26%17.83%Beats 42%18 / 31
Liquidity & Funding
Loans / Deposits123.04%84.03%94.98%103.65%97th pctl1 / 31
Loans / Assets84.06%61.61%75.31%83.78%81st pctl6 / 31
Brokered Deposits / Depositsn/aNot reported for this institution