Unibank
Lynnwood, WA·RSSD 3487947·FDIC 58407·bank:3487947·Risk-based ratios where reported
- #20 of 29Total assets in Washington
- 4offices
- 50employees
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Unibank
8 of 24 FORFI signals stand out against 1437 similar banks, based on FDIC data for the quarter.
Efficiency ratio rising while the peer median fallsWorth a look: Efficiency 2nd quarter153.7%peers 60.8%+92.9 pp
Unibank's efficiency ratio rose 33.5 percentage points over the past year to 153.7%. Among 1432 similar banks, the median fell 2.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 153.7% | 60.8% | +92.9 pp |
| 12-month change | ||
| +33.5 pp | -2.1 pp | +35.6 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Unibank itself is left out of every peer median and percentile. How signals work
Loans shrinking while the peer median growsNotable: Lending 2nd quarter-14.9%peers +5.5%-20.4 pp
Unibank's loans declined 14.9% over the past year to $271 million. The median among 1431 similar banks was +5.5%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| -14.9% | +5.5% | -20.4 pp |
| Loans | ||
| $271 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Unibank itself is left out of every peer median and percentile. How signals work
Net charge-offs falling while the peer median holds steadyStrength: Asset quality 2nd quarter-1.35%peers 0.00%-135 bps
Unibank's annualized net charge-off rate fell 241 bps over the past year to -1.35%. Among 1427 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized net charge-off rate | ||
| -1.35% | 0.00% | -135 bps |
| 12-month change | ||
| -241 bps | 0 bps | -241 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Unibank itself is left out of every peer median and percentile. How signals work
Deposits shrinking while the peer median growsWorth a look: Funding 2nd quarter-10.2%peers +4.3%-14.5 pp
Unibank's deposits declined 10.2% over the past year to $323 million. The median among 1435 similar banks was +4.3%.
| This institution | Peer median | Difference |
|---|---|---|
| Deposits, 12-month growth | ||
| -10.2% | +4.3% | -14.5 pp |
| Deposits | ||
| $323 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Unibank itself is left out of every peer median and percentile. How signals work
Return on assets falling while the peer median risesWorth a look: Earnings-0.37%peers 1.32%-168 bps
Unibank's annualized return on assets fell 110 bps over the past year to -0.37%. Among 1433 similar banks, the median rose 14 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized return on assets | ||
| -0.37% | 1.32% | -168 bps |
| 12-month change | ||
| -110 bps | +14 bps | -124 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Unibank itself is left out of every peer median and percentile. How signals work
3 more observations
- Borrowed funding rising while the peer median holds steadyFunding
- Problem loans falling while the peer median holds steadyAsset quality
- Deposit costs among the highest of similar banksFunding
Key facts
- Unibank is a bank headquartered in Lynnwood, Washington. It reported $393 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $323 million, down 10.2% from a year earlier, and loans totaled $271 million, down 14.9%.
- Its net interest margin was 2.43% and its annualized return on assets was -0.37% for the quarter.
- Its cost of all deposits was 3.00%, compared with a median of 1.80% among 1432 similar banks with $300 million to $1 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Unibank's own data, FORFI would look at: Where revenue per relationship falls short of the cost to serve it.
Analysis workspaces
Sources and identifiers
- Institution
- Unibank · Bank
- Federal Reserve RSSD
- 3487947
- FDIC certificate
- 58407
- Reporting period
- Peer group
- 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Unibank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| -$364K | — | |
| $5.18M | — | |
| $2.87M | — | |
| $2.31M | — | |
| $200K | — | |
| $3.86M | — | |
| -$984K | — | |
| -$984K | — | |
| -0.37% | -0.37%ROAQ · Quarter | |
| 2.43% | 2.42%NIMYQ · Quarter | |
| 153.66% | 153.66%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.