Oneunited Bank

Boston, MA · Cert 23966 · Peer group: banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27-28)

State charter, non-member · FDIC · 5 branches

Q2 2026

$637.9MAssets

$409.4MLoans

$511.7MDeposits

$59.2MEquity

Executive Summary

Strongest standing: nonperforming loans / loans outperforms 41% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 17 of 27).
Widest gap: return on assets trails 100% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 28 of 28).
Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

-0.84%

Rank 28 of 28

Net Interest Margin

2.20%

Rank 27 of 28

Efficiency Ratio

107.54%

Rank 26 of 28

Equity / Assets

9.29%

Rank 26 of 28

Unfavorable gap of $15.7M · efficiency ratio beats 11% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	-0.84%	0.39%	0.81%	1.45%	Beats 0%	28 / 28
Return on Equity	-9.10%	2.58%	5.09%	9.10%	Beats 4%	27 / 28
Net Interest Margin	2.20%	3.22%	3.68%	4.12%	Beats 4%	27 / 28
Efficiency Ratio	107.54%	56.77%	70.25%	85.37%	Beats 11%	26 / 28
Asset Quality
Nonperforming Loans / Loans	0.42%	n/a	0.26%	1.61%	Beats 41%	17 / 27
Net Charge-Offs / Loans	0.01%	n/a	n/a	0.02%	Beats 33%	19 / 27
Capital
Tier 1 Capital Ratio	10.43%	13.70%	16.46%	19.75%	Beats 7%	26 / 28
Total Risk-Based Capital Ratio	10.43%	14.96%	17.60%	20.63%	Beats 7%	26 / 28
Equity / Assets	9.29%	11.97%	15.41%	17.42%	Beats 7%	26 / 28
Liquidity & Funding
Loans / Deposits	80.00%	84.00%	97.95%	102.47%	18th pctl	23 / 28
Loans / Assets	64.17%	69.18%	76.59%	81.19%	11th pctl	25 / 28
Brokered Deposits / Deposits	n/a	Not reported for this institution