Lynnwood, WA · Cert 58407 · U&I Financial Corp.
State charter, Fed member · FED · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
14
Asset Quality
40
Profitability
9
Liquidity
86
Efficiency
3
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Lynnwood, WA · Cert 58407 · U&I Financial Corp.
State charter, Fed member · FED · 4 branches
Q2 2026
Market Position · Seattle-Tacoma-Bellevue, WA · 2026 SOD (annual) · 0.2% share · #27 of 43 inst. · $0.3B of $143.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.28% | -5.40% | -1.70% | -0.56% | -0.45% | -0.47% | -0.13% | -0.25% | +31 bps | |
| Return on Equity | -33.35% | -59.49% | -28.94% | -9.05% | -7.06% | -7.29% | -1.92% | -3.54% | +551 bps | |
| Net Interest Margin | 2.94% | 2.72% | 2.25% | 2.60% | 2.61% | 2.57% | 2.94% | 2.69% | +9 bps | |
| Efficiency Ratio | 70.79% | 76.91% | 101.19% | 110.19% | 119.13% | 129.47% | 127.95% | 139.29% | +2,910 bps | |
| Non-Interest Burden | 1.97% | 2.02% | 2.28% | 2.88% | 3.14% | 3.38% | 3.82% | 3.83% | +95 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.97% | -14.39% | -25.70% | -28.49% | -30.65% | -21.69% | -9.04% | -4.01% | +2,448 bps | |
| Loan Growth (YoY) | -10.70% | -19.34% | -23.21% | -30.72% | -30.02% | -27.69% | -27.21% | -14.88% | +1,585 bps | |
| Deposit Growth (YoY) | -10.29% | -14.50% | -19.24% | -20.54% | -26.37% | -23.16% | -13.46% | -10.18% | +1,036 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.70% | 2.79% | 2.78% | 1.76% | 1.77% | 1.78% | 0.56% | 0.54% | -122 bps | |
| Net Charge-Offs / Loans | 9.91% | 12.65% | 6.26% | 4.17% | 2.94% | 1.86% | -1.50% | -1.40% | -558 bps | |
| Allowance / Loans | 4.70% | 2.43% | 1.91% | 1.19% | 1.03% | 0.97% | 1.13% | 1.08% | -11 bps | |
| Allowance Coverage of NPLs | 2.8x | 0.9x | 0.7x | 0.7x | 0.6x | 0.5x | 2.0x | 2.0x | +1.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.22% | 5.60% | 5.98% | 7.18% | 7.32% | 7.22% | 7.18% | 7.31% | +13 bps | |
| Total Risk-Based Capital | 10.62% | 8.80% | 9.01% | 10.43% | 10.63% | 10.92% | 11.74% | 11.30% | +87 bps | |
| Equity / Assets | 8.18% | 5.65% | 6.17% | 6.79% | 7.17% | 6.98% | 7.00% | 7.17% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.89% | 89.97% | 95.52% | 88.58% | 87.34% | 84.67% | 80.34% | 83.95% | -463 bps | |
| Liquid Assets / Assets | 12.16% | 11.56% | 4.48% | 8.91% | 8.02% | 14.00% | 16.13% | 12.36% | +345 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 593% | 601% | 582% | n/a | n/a | |
Lynnwood, WA · Cert 58407 · Peer group: banks under $1B in assets (n=581-629) · U&I Financial Corp.
State charter, Fed member · FED · 4 branches
Q2 2026
Return on Assets
-0.25%
Rank 583 of 629
Net Interest Margin
2.69%
Rank 545 of 629
Efficiency Ratio
139.29%
Rank 608 of 629
Equity / Assets
7.17%
Rank 588 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.25% | 0.60% | 1.01% | 1.45% | Beats 7% | 583 / 629 | ||
| Return on Equity | -3.55% | 5.38% | 9.30% | 13.28% | Beats 6% | 592 / 629 | ||
| Net Interest Margin | 2.69% | 3.03% | 3.54% | 4.05% | Beats 13% | 545 / 629 | ||
| Efficiency Ratio | 139.29% | 58.35% | 67.79% | 79.08% | Beats 3% | 608 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.54% | 0.09% | 0.46% | 1.20% | Beats 46% | 315 / 581 | ||
| Net Charge-Offs / Loans | 0.03% | n/a | 0.01% | 0.06% | Beats 34% | 383 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.25% | 11.24% | 13.84% | 18.77% | Beats 14% | 542 / 629 | ||
| Total Risk-Based Capital Ratio | 11.30% | 11.58% | 14.43% | 19.66% | Beats 22% | 493 / 629 | ||
| Equity / Assets | 7.17% | 9.09% | 10.65% | 13.80% | Beats 7% | 588 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 83.95% | 67.24% | 80.90% | 93.48% | 54th pctl | 274 / 594 | ||
| Loans / Assets | 68.90% | 53.31% | 67.71% | 78.15% | 53rd pctl | 298 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||