OneUnited Bank
Total assets
$637.9M
▲ +5.1% YoY
Deposits
$511.7M
▼ -1.1% YoY
Loans
$407.8M
▲ +0.2% YoY
Offices
5
ROA (annualized)
-0.80%
peers 1.28%
ROE (annualized)
-8.88%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | OneUnited Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +4.9% | +0.2 pts |
| Deposit growth (YoY) | -1.1% | +4.3% | -5.4 pts |
| Loan growth (YoY) | +0.2% | +5.3% | -5.1 pts |
| ROA | -0.80% | 1.28% | -2.1 pts |
| ROE | -8.9% | 12.4% | -21.3 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
Profile
- Established
- 1982
- Charter
- State
- Primary regulator
- FDIC
- Specialization
- Commercial Lending Specialization
- Address
- 185 Devonshire St, Boston, MA, 02110
- County
- Suffolk
- Metro area
- Boston-Cambridge-Newton, MA-NH
- Offices
- 5
- FDIC cert #
- 23966
- RSSD ID
- 935308
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $637.9M | $511.7M | $407.8M | $59.2M | $-2.7M | -0.80% | 2.18% | 0.27% |
| Q1 2026 | $609.0M | $481.9M | $403.7M | $60.2M | $-1.8M | -1.04% | 2.19% | 0.13% |
| Q4 2025 | $761.7M | $517.0M | $401.6M | $62.7M | $1.4M | 0.21% | 2.26% | 0.08% |
| Q3 2025 | $622.4M | $530.7M | $407.7M | $62.3M | $1.7M | 0.35% | 2.39% | 0.03% |
| Q2 2025 | $606.8M | $517.4M | $406.9M | $59.6M | $661K | 0.20% | 2.38% | 0.02% |
| Q1 2025 | $606.6M | $518.2M | $409.9M | $59.0M | $446K | 0.26% | 2.41% | 0.01% |
| Q4 2024 | $756.4M | $512.5M | $408.0M | $57.2M | $2.2M | 0.34% | 2.57% | 0.02% |
| Q3 2024 | $572.7M | $507.2M | $419.5M | $59.5M | $1.8M | 0.37% | 2.71% | 0.09% |
Loan mix (Q2 2026): real estate $408.1M · commercial $0 · consumer $1.3M · securities $167.4M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | OneUnited Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.80% | 1.28% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -8.9% | 12.4% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.18% | 3.89% | 1th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 107.5% | 61.2% | 99th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | OneUnited Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | OneUnited Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | OneUnited Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | OneUnited Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar banks
- Rollstone Bank & TrustFitchburg, MA · $816.3M
- The Savings BankWakefield, MA · $891.0M
- Mechanics Cooperative BankTaunton, MA · $898.8M
- Greenfield Co-operative BankGreenfield, MA · $901.8M
- StonehamBank, A Co-operative BankStoneham, MA · $918.3M
- Winchester Co-operative BankWinchester, MA · $946.9M
Selling to OneUnited Bank?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.