Unibank for Savings
Whitinsville, MA · Cert 90290 · Peer group: banks $1B-$10B in assets (n=322-328) · Ufs Bcorp
State charter, non-member · FDIC · 15 branches
Q2 2026
$3.1BAssets
$2.2BLoans
$2.6BDeposits
$236.2MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 65% of banks $1B-$10B in assets (rank 115 of 328).
- Widest gap: equity / assets trails 96% of banks $1B-$10B in assets (rank 316 of 328).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.99%
Rank 228 of 328
Net Interest Margin
2.80%
Rank 281 of 328
Efficiency Ratio
58.06%
Rank 144 of 328
Equity / Assets
7.60%
Rank 316 of 328
Non-interest income vs. expense
Unfavorable gap of $43.6M · efficiency ratio beats 56% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.99% | 0.91% | 1.22% | 1.52% | Beats 30% | 228 / 328 | | |
| Return on Equity | 13.08% | 8.43% | 11.45% | 14.43% | Beats 64% | 117 / 328 | | |
| Net Interest Margin | 2.80% | 3.03% | 3.45% | 3.83% | Beats 14% | 281 / 328 | | |
| Efficiency Ratio | 58.06% | 51.61% | 59.56% | 67.53% | Beats 56% | 144 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.62% | 0.24% | 0.51% | 1.03% | Beats 43% | 186 / 322 | | |
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.03% | 0.10% | Beats 50% | 163 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 14.02% | 11.75% | 13.15% | 15.47% | Beats 62% | 125 / 328 | | |
| Total Risk-Based Capital Ratio | 15.27% | 12.63% | 14.15% | 16.46% | Beats 65% | 115 / 328 | | |
| Equity / Assets | 7.60% | 9.15% | 10.33% | 12.01% | Beats 4% | 316 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 83.62% | 76.63% | 87.92% | 95.36% | 40th pctl | 194 / 323 | | |
| Loans / Assets | 69.24% | 65.18% | 74.15% | 79.98% | 34th pctl | 215 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |