Oneunited Bank

Boston, MA · FDIC Certificate #23966 · Chartered 08/0

Total assets

$637.94M

Total deposits

$511.72M

Total equity

$59.24M

Net loans

$407.79M

Branches (offices)

Net income (YTD)

-$2.69M

Rank: #1,484 of 4,213 U.S. banks by assets · #63 of 89 in Massachusetts. Assets changed 5.1% and deposits -1.1% over the year to June 30, 2026.

Key ratios

Return on assets (YTD, annualized by FDIC)	-0.80%
Return on equity	-8.88%
Net interest margin (YTD)	2.18%
Equity to assets	9.29%
Tier 1 leverage ratio	10.43%
Uninsured deposits (share of deposits)	15.5%
Noncurrent loans (share of loans)	0.42%
Net charge-offs (share of loans)	0.00%
Loans to deposits	79.7%
Real estate loans (share of loans)	100.1%

Loan mix

Category	Amount	Share
Real estate loans	$408.13M	100.1%
Commercial & industrial	$0	0.0%
Consumer / individual	$1.26M	0.3%
Construction & development	$0	0.0%
Agricultural	$0	0.0%

Five-year trend (June snapshots)

Period	Total assets	Deposits	Net income (year to date)	Equity / net worth
Jun 2022	$637.31M	$492.97M	$522.00K	$56.72M
Jun 2023	$600.58M	$514.03M	$924.00K	$52.52M
Jun 2024	$614.22M	$511.50M	$1.36M	$56.31M
Jun 2025	$606.80M	$517.39M	$661.00K	$59.64M
Jun 2026	$637.94M	$511.72M	-$2.69M	$59.24M

Where its branch deposits sit (FDIC Summary of Deposits)

State	Branch deposits	Offices
California	$471.07M	2
Florida	$21.31M	1
Massachusetts	$19.34M	2

Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $511.72M.

Similar-sized banks

Tri-County Bank ($638.62M) · American State Bank ($637.82M)

Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.