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United Pacific Bank

City of Industry, CA · Cert 23805 · Peer group: banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27-28)

State charter, non-member · FDIC · 2 branches

Q2 2026

$191.0MAssets
$154.5MLoans
$156.8MDeposits
$32.3MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 17 of 27).
  • Widest gap: nonperforming loans / loans trails 81% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 23 of 27).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.39%

Rank 21 of 28

Net Interest Margin

4.03%

Rank 8 of 28

Efficiency Ratio

85.90%

Rank 23 of 28

Equity / Assets

16.89%

Rank 9 of 28

Non-interest income vs. expense

$0.2M$6.6MINCOMEEXPENSE
Unfavorable gap of $6.4M · efficiency ratio beats 21% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area
Bank 85.90%Peer median 70.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.39%0.39%0.81%1.45%Beats 25%21 / 28
Return on Equity2.32%2.58%5.09%9.10%Beats 21%22 / 28
Net Interest Margin4.03%3.22%3.68%4.12%Beats 71%8 / 28
Efficiency Ratio85.90%56.77%70.25%85.37%Beats 21%23 / 28
Asset Quality
Nonperforming Loans / Loans2.51%n/a0.26%1.61%Beats 19%23 / 27
Net Charge-Offs / Loans0.00%n/an/a0.02%Beats 100%17 / 27
Capital
Tier 1 Capital Ratio17.39%13.70%16.46%19.75%Beats 54%13 / 28
Total Risk-Based Capital Ratio17.39%14.96%17.60%20.63%Beats 46%15 / 28
Equity / Assets16.89%11.97%15.41%17.42%Beats 68%9 / 28
Liquidity & Funding
Loans / Deposits98.53%84.00%97.95%102.47%54th pctl13 / 28
Loans / Assets80.87%69.18%76.59%81.19%71st pctl8 / 28
Brokered Deposits / Depositsn/aNot reported for this institution