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Oneunited Bank

Boston, MA · Cert 23966

State charter, non-member · FDIC · 5 branches

Q2 2026

$637.9MAssets
$409.4MLoans
$511.7MDeposits
$59.2MEquity
Loan mix
100%RE $404.0M0%C&I $0.0M0%Consumer $1.3MQ3 2024Q2 2026
Deposit mix
87%Interest-bearing $445.3M13%Noninterest $66.4MQ3 2024Q2 2026

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.1% share · #59 of 107 inst. · $0.5B of $667.8B

0.1% Los Angeles
0.0% Miami-Dade
0.0% Suffolk

Executive Summary

  • Earnings: ROA of -0.80%, down 101 bps year over year; NIM at 2.20%.
  • Asset quality: problem loans at 0.42% of loans (+39 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.43%, down 65 bps from a year ago.
  • Funding: loans stand at 80.00% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

-0.80%-101 bps YoY

Net Interest Margin (YTD, annualized)

2.20%-22 bps YoY

Efficiency Ratio (YTD, annualized)

107.54%+661 bps YoY

Tier 1 Leverage Ratio

10.43%-65 bps YoY

NIM

3.88%Q2 ’243.86%Q2 ’253.93%Q2 ’26-11%-9%

Non-interest income vs. expense

4.66%Q2 ’244.80%Q2 ’254.24%Q2 ’26+1%+1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.37%0.34%10.26%0.20%10.35%10.21%1-1.04%-0.80%-101 bps
Return on Equity4.14%3.91%3.07%2.25%3.79%2.31%-11.56%-8.88%-1,113 bps
Net Interest Margin2.69%2.74%2.56%2.42%2.37%2.30%2.32%2.20%-22 bps
Efficiency Ratio92.04%101.45%92.99%100.93%101.60%99.92%104.04%107.54%+661 bps
Non-Interest Burden2.25%2.80%2.18%2.45%2.44%2.29%2.48%2.49%+3 bps
Growth
Asset Growth (YoY)-3.53%0.09%-0.06%-1.21%8.69%0.71%0.40%5.13%+634 bps
Loan Growth (YoY)-6.01%-6.95%-6.56%-5.77%-2.81%-1.58%-1.52%0.21%+598 bps
Deposit Growth (YoY)-0.88%3.74%2.61%1.15%4.63%0.88%-7.01%-1.10%-225 bps
Asset Quality
Nonperforming Loans / Loans0.13%0.03%0.01%0.04%0.04%0.15%0.19%0.42%+39 bps
Net Charge-Offs / Loans0.02%0.02%0.02%0.02%0.02%0.02%-0.01%0.00%-2 bps
Allowance / Loans0.39%0.41%0.40%0.40%0.39%0.40%0.40%0.39%-1 bps
Allowance Coverage of NPLs3.2x14.5x31.2x10.9x10.0x2.7x2.1x0.9x-10.0x
Capital
Tier 1 Leverage Ratio10.95%11.38%11.12%11.08%11.17%10.90%10.83%10.43%-65 bps
Total Risk-Based Capital10.95%11.38%11.12%11.08%11.17%10.90%10.83%10.43%-65 bps
Equity / Assets10.39%7.57%9.73%9.83%10.02%8.23%9.88%9.29%-54 bps
Liquidity & Funding
Loans / Deposits83.03%79.94%79.41%78.96%77.13%77.99%84.10%80.00%+104 bps
Liquid Assets / Assets7.88%27.15%8.41%7.05%5.12%23.01%4.77%4.42%-264 bps
CRE / Total Capitaln/an/an/an/a577%576%596%n/an/a