# UNITED ORIENT BANK
NEW YORK, NY · FDIC certificate 23373 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $101.4M | |
| Deposits | $69.3M | |
| Loans and leases | $85.2M | |
| Total equity | $13.1M | |
| Loans / deposits | 121.48% (p99 of band) | 73.59% |
| Liquid assets / assets | 10.30% (p4 of band) | |
| Uninsured deposits / deposits | 13.64% (p26 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 12.82% (p89 of band) | |
| FHLB advances / assets | 12.82% | |
| Tier 1 leverage | 12.53% (p58 of band) | 11.76% |
| Unrealized securities loss / equity | -0.08% (p90 of band) | -6.57% |
| AOCI / equity | 0.08% (p88 of band) | |
| ROA (annualized) | -0.12% (p6 of band) | 1.17% |
| Net interest margin | 4.69% (p83 of band) | 3.93% |
| Efficiency ratio | 102.67% (p95 of band) | |
| Noncurrent loans | 0.80% (p66 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 158.88% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.0% | |
| Employees | 22 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, liquid assets <10%, reserve under noncurrent |  |
| 2011-06 | 2 |  | liquid assets <10% |
| 2011-09 | 3 | liquid assets <10% |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 4 | capital falling, charge-offs p90 | liquid assets <10% |
| 2012-06 | 2 |  | capital falling, charge-offs p90 |
| 2012-09 | 2 |  |  |
| 2012-12 | 1 |  | loans exceed deposits |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 3 | deposits shrinking, assets shrinking |  |
| 2014-03 | 2 | losing money, charge-offs p90 | reserve under noncurrent, deposits shrinking, assets shrinking |
| 2014-06 | 4 | loans exceed deposits, liquid assets <10% |  |
| 2014-09 | 1 |  | losing money, loans exceed deposits, liquid assets <10% |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 | capital falling | charge-offs p90 |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 1 | loans exceed deposits |  |
| 2016-06 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-09 | 5 | liquid assets <10% |  |
| 2016-12 | 3 |  | assets shrinking, liquid assets <10% |
| 2017-03 | 2 | capital falling | deposits shrinking, uninsured deposits leaving |
| 2017-06 | 3 | liquid assets <10% |  |
| 2017-09 | 2 |  | capital falling |
| 2017-12 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2018-03 | 4 |  |  |
| 2018-06 | 2 |  | liquid assets <10%, uninsured deposits leaving |
| 2018-09 | 2 | assets shrinking | deposits shrinking |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | deposits shrinking |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 2 |  | loans exceed deposits |
| 2020-03 | 4 | losing money, expense ratio p90 |  |
| 2020-06 | 2 |  | assets shrinking, deposits shrinking |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 5 | loans exceed deposits, reserve under noncurrent |  |
| 2021-03 | 4 |  | loans exceed deposits |
| 2021-06 | 4 |  |  |
| 2021-09 | 4 |  |  |
| 2021-12 | 4 |  |  |
| 2022-03 | 4 |  |  |
| 2022-06 | 4 |  |  |
| 2022-09 | 5 | loans exceed deposits, liquid assets <10% | capital falling |
| 2022-12 | 5 | deposits shrinking | losing money |
| 2023-03 | 5 | wholesale funding >15% | expense ratio p90 |
| 2023-06 | 6 | uninsured deposits leaving |  |
| 2023-09 | 4 |  | reserve under noncurrent, liquid assets <10% |
| 2023-12 | 6 | liquid assets <10%, assets shrinking |  |
| 2024-03 | 8 | losing money, expense ratio p90 |  |
| 2024-06 | 8 |  |  |
| 2024-09 | 7 |  | wholesale funding >15% |
| 2024-12 | 3 |  | deposits shrinking, uninsured deposits leaving, liquid assets <10%, assets shrinking |
| 2025-03 | 4 | capital falling |  |
| 2025-06 | 4 |  |  |
| 2025-09 | 3 |  | capital falling |
| 2025-12 | 3 |  |  |
| 2026-03 | 4 | capital falling |  |
| 2026-06 | 4 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 1987-08-21 [Indictments At Bank in Chinatown (Published 1987) - The New York Times](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPYS1peHRIYnctcFF0TFFmd29VdEVtXzVVUS1YaHpGdWFkUkhvS3Z0eUF2S1o5TmdsYVNuQ3h1OGJzY0tRaHpZZnZIemMtbnR4T3BWSFVKcTJfenFPd292MkxOX3V1REhUS0t2NWRjd2FBQ0VzSGJGdUVLd1hJS04tRk5XamlFTU5B?oc=5) · The New York Times
- 1986-10-13 [May Chao Wed In White Plains To Jeffrey Hwang (Published 1986) - The New York Times](https://news.google.com/rss/articles/CBMilgFBVV95cUxQcjdwOUR0VHUzZEpDM1NlenBvNlROeXN1SzJ3bU5SMV9FT0lOVmMybWZleVNad09sVFJaTER4cEZBaFhqRHMzcnVoWUJpc09iWWRUdHdvaXZGZm5hUVlQc1kxV3dyMUNvQUNiYjRRcG15SEtIY0NQa19NWFF0VnBTRHpPakM0ZVpidXFLeHdSd3l6dVIydlE?oc=5) · The New York Times
- 2026-03-17 [Protecting the Enforceability of Guarantees in Loan Modifications - Law.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxNOHg4aTB3X0t6MnRPZ0xCalluVTluY0x4Yjlic01WQ2ZNRkdtNG5ETHlRMDAyZ0RwR0tHOUs4aWhoSDdKT3l6U1VvMTd1bHhQRHNialRFbkFEa0lYVWN2RWsxSXItbnlfQ2VqcWthWjhtQndtQVRyYUk4bjNDNDFNVEhFemkyQWFpQjJNUXhqa2VmSTBkdC1Gc3d4QUhrMjhWNXRLOFVpRDhQTUxBcWd4WHhWc0J5dw?oc=5) · Law.com
- 2016-06-09 [Velázquez Challenger Yungman Lee Has A Bone To Pick With Brad Lander - Bklyner](https://news.google.com/rss/articles/CBMilgFBVV95cUxOa1p2bndkc3hpSWJfbTNhcjI2cm9CN0lEQ056ZEdLVVZDN214Vm04X1BGTFNtT0VFMEpGcmFsSkZfSmVUM29nbndaTlpmbVNVdkRfX19zXzdoNHFGWGQtY2Z6UTgwbFRmQzdYMFpHZVRoVm04WVZYZXNpM09RemdMNzlsSm5BTGc0V3VfRFR5cUhHN0tGaVE?oc=5) · Bklyner
- 1986-03-20 [MARCOS PAPERS SHOW A FORTUNE AROUND WORLD (Published 1986) - The New York Times](https://news.google.com/rss/articles/CBMikAFBVV95cUxOYk0xV1hTbkRZSVA2eWhLZ3VsX3I3SkkwNnpWVFFNdVlDa0tDemZ1eVlqaVBYMWJfRUNuTTVicmRKRUdCQ2lUX0tJQjVLYzREaklGT2h3OUpnTmVaNThUUWZhXzFWeDZsVVU3WGNUc2xCMWRXbTNDOGZBR1ctVE9qaDluWFdGY3EtX1liZ3BZd0s?oc=5) · The New York Times
- 1984-10-25 [A CHINATOWN MERCHANT PORTRAYED AS CRIME BOSS (Published 1984) - The New York Times](https://news.google.com/rss/articles/CBMimAFBVV95cUxPVThQcmk0SEo1NW1IMFFjdXVldDhqV2wzeVF0Z0lnbnF4NGpYRXp6OTdYNU9yVEJBTTV1X0dFWGlsdG10RUdjOFZTV0FWYVhrMVVLVXZBTlpKemtlaXZuQVYzazd5ckd1aWRXb1U2d0FlYWxhTDRVU0NZa0ZKRVQ0TG0wdHFyVDVtcno1R3BpYm16XzBwZ2J1dw?oc=5) · The New York Times
- 1984-09-30 [NEW NETWORKS OF IMMIGRANT ENTERPRENEURS; ALL IN THE FAMILY APPROACH (Published 1984) - The New York Times](https://news.google.com/rss/articles/CBMitgFBVV95cUxNZkg4cU02V3lrRmNPN2ZUUlFPdE5zWm9iN1J1SklwMTdlcXRkMUEwM1Flb1p5UVNveDJ2TjdnT00zN2ljb25SV2Zwel9rRVdZSDBUUXRYWG9tWWJaZUdlNHJWWlJUYkp3YkRJX281bFZhZHc2S3Q1VjBtQndBSGY5T0pkMnRBX1pFTURpSDdObGsxZWVPLVA4QnN6VlRWUTBYTnVzbElUNG1ibFFYYTg5U2tlRnk2Zw?oc=5) · The New York Times
- 1990-09-02 [Chinatown Leaders Are Indicted in Gambling Ring (Published 1990) - The New York Times](https://news.google.com/rss/articles/CBMinAFBVV95cUxONUl2QUFORGZZZTVxZHF2WnFVUDBaaHZObWZuVG02ZzMwNnVIRUY5UF9xTFZrVnRCbThqbnRJSEF0YzJjMWdjLW5TcWpkSGE2WFktU3FsT0NhT0V6QkhNVXlzbEV1SUx6OWl5TFZjaGljYXlJSlc5V3ZzTmJfVnBEUGNTdVRYZmpGXzJFUWJYc0lJWi1UWXJZRGhiVm4?oc=5) · The New York Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=23373 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/13.json (key "23373", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide