# UNITED PACIFIC BANK
CITY OF INDUSTRY, CA · FDIC certificate 23805 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 1 (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 | $191.0M | |
| Deposits | $156.8M | |
| Loans and leases | $154.5M | |
| Total equity | $32.3M | |
| Loans / deposits | 96.92% (p88 of band) | 73.59% |
| Liquid assets / assets | 18.21% (p18 of band) | |
| Uninsured deposits / deposits | 26.65% (p74 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 17.39% (p86 of band) | 11.76% |
| Unrealized securities loss / equity | -0.19% (p87 of band) | -6.57% |
| AOCI / equity | -0.21% (p59 of band) | |
| ROA (annualized) | 0.40% (p15 of band) | 1.17% |
| Net interest margin | 4.11% (p59 of band) | 3.93% |
| Efficiency ratio | 85.90% (p86 of band) | |
| Noncurrent loans | 2.51% (p90 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 64.99% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 4.01% (p27 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 | 10.0% | |
| Employees | 33 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

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

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

- 2012-03-25 [Dominic Ng: MADE IN AMERICA - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMid0FVX3lxTFBPTGp0T1FXWWlSdDl3emV2d3F6UUxRbE5UN2Vxa3hPMS1vaVkybm9DR3g4Y3RwaTl4eXktcXBRR1NDdGpSSVpDdmJjekJJWjdGVkZ6VnJtd25oWnZBcGZzWWpGd3ZyUV8tcWxBYzN4akpMQzVFTWFF?oc=5) · Los Angeles Business Journal
- 2016-01-19 [Meet The Chinese American Bank That Wants To Become Wells Fargo - Forbes](https://news.google.com/rss/articles/CBMitAFBVV95cUxNOHNkRmtnSjdoa2ZXRXNibXR5N2Z3eGpJTzVaMEY5ZnVPVDFEZE52bDhKdE9jM045d1pERnJGbW1sODhKc0RITnN2YWl1anNSb3lxc1dBTWFlZjVSZURpTGdmN0JuaVcyZ3dLeWhmLVVwaHFRYm1MaGF2Rk1icmRTbFhQS2FNZ1Y0SzllTzZmbDRodGxFb0VoVkNuSHRvY3hUc0JHTGxJanIzYnVMYWREU0F0Sk4?oc=5) · Forbes
- 2021-12-05 [Marvin Holen Obituary (1929 - 2021) - Los Angeles, CA - Los Angeles Times - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQdXJJQVNRaTJRSVpLRTZYVTVoSWE0NWJXSkQ2aGp0UFFKWjBGRUdzc2VMQklwVjd3bkpTeHdzdjhXcW5OYmVMaFJHTmJQSkVCbVFidW1HNFVHWXllRjM3WVlOUVlxMzFwdUdXSFM5OVBGX0ZrS1NWOUFRb2JLYmxvdGNCb0JvUFhTdVNB?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=23805 (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/61.json (key "23805", 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