# ONEUNITED BANK
BOSTON, MA · FDIC certificate 23966 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 7 (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 | $637.9M | |
| Deposits | $511.7M | |
| Loans and leases | $409.4M | |
| Total equity | $59.2M | |
| Loans / deposits | 79.69% (p45 of band) | 82.04% |
| Liquid assets / assets | 30.88% (p66 of band) | |
| Uninsured deposits / deposits | 15.54% (p14 of band) | 25.97% |
| Brokered deposits | 21.71% | |
| Wholesale funding | 31.35% (p98 of band) | |
| FHLB advances / assets | 9.64% | |
| Tier 1 leverage | 10.43% (p43 of band) | 10.81% |
| Unrealized securities loss / equity | -28.78% (p14 of band) | -8.10% |
| AOCI / equity | -1.29% (p17 of band) | |
| ROA (annualized) | -0.80% (p1 of band) | 1.28% |
| Net interest margin | 2.18% (p1 of band) | 3.91% |
| Efficiency ratio | 107.54% (p99 of band) | |
| Noncurrent loans | 0.42% (p50 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p39 of band) | |
| Reserve coverage of noncurrent | 92.05% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -1.1% | |
| Employees | 102 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | loans exceed deposits, wholesale funding >15%, leverage <7%, leverage <5%, reserve under noncurrent |  |
| 2011-06 | 6 |  |  |
| 2011-09 | 4 |  | leverage <5% |
| 2011-12 | 4 |  |  |
| 2012-03 | 5 | expense ratio p90, uninsured deposits leaving | loans exceed deposits |
| 2012-06 | 5 |  |  |
| 2012-09 | 6 | NIM <2.5% |  |
| 2012-12 | 4 |  | uninsured deposits leaving, NIM <2.5% |
| 2013-03 | 3 |  | expense ratio p90 |
| 2013-06 | 6 | AOCI drag >20% of equity, expense ratio p90, NIM <2.5% |  |
| 2013-09 | 6 |  |  |
| 2013-12 | 6 | loans exceed deposits | AOCI drag >20% of equity |
| 2014-03 | 5 |  | NIM <2.5% |
| 2014-06 | 5 |  |  |
| 2014-09 | 4 |  | loans exceed deposits |
| 2014-12 | 6 | capital falling, noncurrent p90 |  |
| 2015-03 | 7 | loans exceed deposits, losing money, NIM <2.5% | capital falling, noncurrent p90 |
| 2015-06 | 8 | noncurrent p90 |  |
| 2015-09 | 9 | capital falling |  |
| 2015-12 | 5 |  | losing money, NIM <2.5%, noncurrent p90, capital falling |
| 2016-03 | 5 |  |  |
| 2016-06 | 6 | noncurrent p90 |  |
| 2016-09 | 5 |  | noncurrent p90 |
| 2016-12 | 7 | capital falling, noncurrent p90 |  |
| 2017-03 | 7 | losing money | noncurrent p90 |
| 2017-06 | 6 |  | capital falling |
| 2017-09 | 7 | NIM <2.5% |  |
| 2017-12 | 8 | capital falling |  |
| 2018-03 | 5 |  | losing money, NIM <2.5%, capital falling |
| 2018-06 | 5 |  |  |
| 2018-09 | 6 | NIM <2.5% |  |
| 2018-12 | 6 |  |  |
| 2019-03 | 6 |  |  |
| 2019-06 | 6 |  |  |
| 2019-09 | 6 |  |  |
| 2019-12 | 7 | losing money |  |
| 2020-03 | 7 | capital falling | reserve under noncurrent |
| 2020-06 | 7 |  |  |
| 2020-09 | 5 |  | loans exceed deposits, capital falling |
| 2020-12 | 4 |  | losing money |
| 2021-03 | 5 | losing money |  |
| 2021-06 | 6 | brokered >10%, assets shrinking | leverage <7% |
| 2021-09 | 5 |  | losing money |
| 2021-12 | 4 |  | assets shrinking |
| 2022-03 | 5 | reserve under noncurrent |  |
| 2022-06 | 5 |  |  |
| 2022-09 | 6 | AOCI drag >20% of equity, securities losses >30% of equity | NIM <2.5% |
| 2022-12 | 6 |  |  |
| 2023-03 | 7 | assets shrinking, uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 6 |  | uninsured deposits leaving |
| 2023-09 | 4 |  | expense ratio p90, reserve under noncurrent |
| 2023-12 | 4 | expense ratio p90, deposits shrinking | brokered >10%, assets shrinking |
| 2024-03 | 6 | brokered >10%, NIM <2.5%, reserve under noncurrent | deposits shrinking |
| 2024-06 | 5 |  | NIM <2.5% |
| 2024-09 | 3 |  | securities losses >30% of equity, reserve under noncurrent |
| 2024-12 | 4 | securities losses >30% of equity |  |
| 2025-03 | 5 | NIM <2.5% |  |
| 2025-06 | 6 | capital falling |  |
| 2025-09 | 5 |  | capital falling |
| 2025-12 | 4 |  | securities losses >30% of equity |
| 2026-03 | 7 | capital falling, losing money, deposits shrinking |  |
| 2026-06 | 7 | reserve under noncurrent | deposits shrinking |

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

- 2026-04-30 [OneUnited Bank Introduces "Who's Your Ma Honey? Show" to Transform Undeserved Shame Into Empowerment - PR Newswire](https://news.google.com/rss/articles/CBMi5wFBVV95cUxQUkhiZk42NTlJMngwdXNIZ01pandfcnlUdG9OdjJfUno4c01DQXpfSVR4d3FYLVZpV2NHakstWlJON0EzWUM0UDdFdWUxQ1g2a3VPNVozM29qN1lyTklTRVdWRkpPUXZocWI4XzNkWjJPRW9LTi1uVFZzdGFSMUpRN3p3M0o1NU9ZQWFhd24zVWY0WlJoUFFac0F3cVVvaEFyLVlSM1R1QVg4a25CWGJkak0ydFpyZE03VDhXVURaM25ObEtYWVNQWmY3NDk3aC1qa05WYlhiUXoydUItLVpDYlRaWXp1Z3c?oc=5) · PR Newswire
- 2026-05-27 [New podcast from OneUnited Bank explores turning underserved shame into superpower - The Bay State Banner](https://news.google.com/rss/articles/CBMivgFBVV95cUxNX01pWjF5ZGM0aGF5Q1doY3F1Mm4zOUpNVUNiMTVNVW9SbDVMbUdQZGF3c28yRnBrdEVaRjdvbDN1WTZKMzA2eDdhU1R3SklUMERQbFh3NTh5QzNBT3V0Q0FMOV90eTZPakZzeHREbVozRHRwTXBSNmtORE1TZzl1UEdvMzdiTF9lbVNabWItV0RKV2xhdm8wUWJ5Yjd5R3didXNCWXRFUjAtZTNrb0gzYjVUMEhrWmdQa3RrbHh3?oc=5) · The Bay State Banner
- 2026-08-19 [OneUnited Bank launches new ten-part series celebrating Black legacy - The Miami Times](https://news.google.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?oc=5) · The Miami Times
- 2026-05-21 [Uncovering the shame behind success on 'Who's Your Ma Honey?' - WLRN](https://news.google.com/rss/articles/CBMipAFBVV95cUxOckEzSTl5V0xZMlpFUXc5aUEzNmhSR2tlcFpNcWk5XzVXbkdRRXlTS2Y1UVZyVTVWbWxUQmNIT0s1aW5DbXRUaW51djVfc2tVdVczaW5oWTFWeUFQa2JGaEdUeXB4VG1MRlg4ZEYtS3NQOU9jOWtETDh3LUxhajREZV9PdW1iY0pyZklnT3lQOEdqQjViSWVZWlBlOXVMT0RFRHFnQg?oc=5) · WLRN
- 2026-05-06 [Miami bank exec explores how confronting shame can unlock success in new podcast - Miami Herald](https://news.google.com/rss/articles/CBMicEFVX3lxTE5KcFdacWE5bmFIcmh4Z1QyN0FyeF9ZQlZndzRJSXlXb0NDUXo0YVh5VlBLQmQ4Z2lXMy1Db2M5eTRuTDhzN1lFMXBSUm40R0g5aFZEMHpPSk85SFViRnVtcEJrUUM0eThyVzl1RGVqSnXSAXBBVV95cUxPSThoZ1dEcUE4S3ZjR1hGbDl2U09oUzVxLTZOM0tnSXkwX0hGbFhXWEF1WkhIUmZuTU11b0ZUMktwdGxJVVR3X1dERzBoQTFBYTVNbkgzdmVKdmtZdHhtWHdiZzBZZS1HQU9rdU5FbU1T?oc=5) · Miami Herald
- 2026-04-29 [Exclusive: America's largest Black-owned bank launches podcast with mission to unlock hidden shame holding back generational wealth - Fortune](https://news.google.com/rss/articles/CBMilwFBVV95cUxNUV9hb2diTUl5bG1zbkhlTWh3TUFMNERlYnFlT20zajQ1Yk83SktrWFpSODE2T1VXU1VMUk5CbldUMVZHcG1iTDZ4WWgtaUNsMnRldzlhMGdYNmtfM1BEdm9rRlRMcVc3M3RIbzMyXzlyNi0yQ21HMkk0Sk9SV3lsaXNWa2ZNMGZZb0NQUFZ0YzFRV2twUWM4?oc=5) · Fortune
- 2026-09-02 [My husband and I run a bank, but our kids still make financial mistakes. Here's what we're teaching them about money. - businessinsider.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxQVUtmR1lJcFpsT3JFQ0lEMF8zWnVsNGFLcVVQYndBcUFQMHlveTJkbG1RenZuU2xra1RuMENNS0EwcTVQQ0dNYWFFOUczR3B4YzRJa1JVWnQwMVVhMVNwUXpxRkNpNUhkbzdrWkhyZlJzamZxUzVLYTl1ZUh1djFVS3ZnWjNQekMwNjFUZHM0UlpYTElDaWc?oc=5) · businessinsider.com
- 2024-04-11 [OneUnited Bank, nation’s largest Black-owned bank, to move HQ to Roxbury - masslive.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxPaGlIb05DYlJmNzJNYXlmUnhTUGxsbkYzUVpoeWUzeFNPTWc0ZmdWdTFhSGNPLUR5Mi0ySGctUjBUOVdyRDBBQnVjX3NoWkFYVHZaaXZJTkhidWVyVF9neF9lMWwwcUJYTTVNYVJaQ0stanpndDRpREZ2SEkyWVVFREtzWTNsUVRLOVYxeGtOcG41blVJa3ZqZXp6b05GUzZ0YXBIdm5ia0pHR2VwSkRYVzdB0gHGAUFVX3lxTE1Sb0xZOWNlSzhFRlp3T1d6Y0VOMXdPX0Nuc2VJcE9GakN4XzZVa24wdk9KTlVUcXJXZlprQm1tQ1NTVzFWNVVPaVJVS0pCd0Fqbm5kVWx4WVVkbUxPcjlzc3J0NDZaZ2JZRzcwX3p5LVdIcXdranROZVBaMlRiSERjS3ZKXzEwOFVRYk9EYkthX1I0MDNoWkZnY0tLQVNmVG51TnNyc0FBMTdpUDBjVEE0enFXZ2RtLTNoUTNZeDVGSjE4SXd3dw?oc=5) · masslive.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=23966 (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/30.json (key "23966", 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