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Unibank
Lynnwood, WA · FDIC Certificate #58407 · Chartered 11/0
Total assets
$393.00M
Total deposits
$322.55M
Total equity
$28.16M
Net loans
$267.85M
Branches (offices)
4
Net income (YTD)
-$500.00K
Rank: #2,089 of 4,213 U.S. banks by assets · #19 of 28 in Washington. Assets changed -4.0% and deposits -10.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -0.25% |
| Return on equity | -3.54% |
| Net interest margin (YTD) | 2.74% |
| Equity to assets | 7.17% |
| Tier 1 leverage ratio | 7.31% |
| Uninsured deposits (share of deposits) | 16.0% |
| Noncurrent loans (share of loans) | 0.54% |
| Net charge-offs (share of loans) | -1.39% |
| Loans to deposits | 83.0% |
| Real estate loans (share of loans) | 97.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $260.35M | 97.2% | |
| Commercial & industrial | $11.20M | 4.2% | |
| Consumer / individual | $19.00K | 0.0% | |
| Construction & development | $594.00K | 0.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $522.90M | $427.69M | $4.79M | $67.04M |
| Jun 2023 | $607.13M | $517.05M | $5.12M | $76.89M |
| Jun 2024 | $572.49M | $451.96M | $486.00K | $60.96M |
| Jun 2025 | $409.40M | $359.12M | -$1.27M | $27.81M |
| Jun 2026 | $393.00M | $322.55M | -$500.00K | $28.16M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Washington | $322.55M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $322.55M.
Similar-sized banks
The Community State Bank ($393.11M) · Iowa State Bank ($392.88M)
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.
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