Unibank
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
$393.0MAssets
$270.8MLoans
$322.6MDeposits
$28.2MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 46% of banks under $1B in assets (rank 315 of 581).
- Widest gap: efficiency ratio trails 97% of banks under $1B in assets (rank 608 of 629).
- Overall: at or above the peer median on 0 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $15.1M · efficiency ratio beats 3% of banks under $1B in assets | 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 |