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Unibank For Savings
Whitinsville, MA · FDIC Certificate #90290 · Chartered 06/0
Total assets
$3.11B
Total deposits
$2.57B
Total equity
$236.20M
Net loans
$2.12B
Branches (offices)
15
Net income (YTD)
$15.45M
Rank: #414 of 4,213 U.S. banks by assets · #16 of 89 in Massachusetts. Assets changed 5.8% and deposits 4.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.06% |
| Return on equity | 13.54% |
| Net interest margin (YTD) | 3.10% |
| Equity to assets | 7.60% |
| Tier 1 leverage ratio | 8.83% |
| Uninsured deposits (share of deposits) | 29.4% |
| Noncurrent loans (share of loans) | 0.62% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 82.4% |
| Real estate loans (share of loans) | 65.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.39B | 65.3% | |
| Commercial & industrial | $53.53M | 2.5% | |
| Consumer / individual | $714.26M | 33.7% | |
| Construction & development | $34.55M | 1.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.40B | $2.09B | $8.41M | $154.57M |
| Jun 2023 | $2.69B | $2.34B | $11.53M | $164.73M |
| Jun 2024 | $2.74B | $2.40B | $9.85M | $181.33M |
| Jun 2025 | $2.94B | $2.47B | $10.43M | $206.50M |
| Jun 2026 | $3.11B | $2.57B | $15.45M | $236.20M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $2.57B | 15 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.57B.
Similar-sized banks
Bcb Community Bank ($3.12B) · Penn Community Bank ($3.07B)
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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