# UNITI BANK
BUENA PARK, CA · FDIC certificate 57120 · asset band $300M-1B · latest filing 2019-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 0 (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 | $329.3M | |
| Deposits | $282.6M | |
| Loans and leases | $278.2M | |
| Total equity | $44.6M | |
| Loans / deposits | 97.24% (p80 of band) | 84.98% |
| Liquid assets / assets | 14.61% (p20 of band) | |
| Uninsured deposits / deposits | 37.73% (p87 of band) | 21.58% |
| Brokered deposits | 3.18% | |
| Wholesale funding | 3.18% (p43 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.14% (p85 of band) | 10.59% |
| Unrealized securities loss / equity | -0.09% (p61 of band) | -0.32% |
| AOCI / equity | 0.06% (p11 of band) | |
| ROA (annualized) | 1.00% (p43 of band) | 1.08% |
| Net interest margin | 4.44% (p86 of band) | 3.73% |
| Efficiency ratio | 71.08% (p64 of band) | |
| Noncurrent loans | 0.00% (p3 of band) | 0.51% |
| Net charge-offs (annualized) | -0.02% (p12 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 84% | |
| Construction % of loans | 4.59% (p9 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $5.8M (13% of equity) (p97 of band) | |
| Deposits YoY | 5.5% | |
| Employees | 68 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 3 | charge-offs p90 |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 8 | losing money, expense ratio p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 6 | NIM <2.5% | losing money, assets shrinking, uninsured deposits leaving |
| 2012-09 | 5 | losing money | charge-offs p90, deposits shrinking |
| 2012-12 | 4 |  | losing money |
| 2013-03 | 3 |  | expense ratio p90 |
| 2013-06 | 4 | deposits shrinking, assets shrinking | NIM <2.5% |
| 2013-09 | 4 |  |  |
| 2013-12 | 2 |  | noncurrent p90, reserve under noncurrent |
| 2014-03 | 1 |  | assets shrinking |
| 2014-06 | 0 |  | deposits shrinking |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | uninsured deposits >50% |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | capital falling |
| 2018-03 | 0 |  | uninsured deposits >50% |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |

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

- 2024-11-08 [Monthly Bulletin – June 2019 - The Department of Financial Protection and Innovation (.gov)](https://news.google.com/rss/articles/CBMiekFVX3lxTFBUdjhHSXM5QzZzU0Z5TG1LbG5BbmlOdFFQVVV4WFJUSlZtdG1TQjBVcU4yMWJ4N21YYW4wbmVVeHhWVXZSaEEyNW1TOHFGV3hZeFZPbnByNV9jcHNzUW5EbTN0VGlqRk9OM2tMb1k5SW5LR2RBbUIxU09n?oc=5) · The Department of Financial Protection and Innovation (.gov)
- 2019-06-20 [Former Hanmi Bank & Uniti Bank Executive Joins Lendistry - newswire.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxOa3E0X3ZSTHNlZnZHRTFBZUVGQ3AyQ3Z6LS1XamdJNFFzRUI1Mjg3bWxTbjc5VVZOMHhOTW4wWHYwN0VsSzNramtmN1VVdFdRODdVTWtuN0tEOW5LTDJzR0NVWFY2alJhNHFuNUV4ZEZucFc2SGY0SzN2WUNlcXpnWUd6X2hGVVhjNndUaUN3TGNYRzBwTWtPQQ?oc=5) · newswire.com
- 2018-12-10 [Uniti Bought for $63.9 Million - Orange County Business Journal](https://news.google.com/rss/articles/CBMiZEFVX3lxTE14MVk3UUsyTmhETlQ5RGplU0h3Zm1Zb0JDZjdhY3pRYmszTHdjNU5ZOWl3Z3ZCVU0zbGpIU29PVVF5QlgxazdkV1Y4a0JWVEo5dlZMWUZzWnRWXzNVdmUyZDZMX24?oc=5) · Orange County Business Journal
- 2026-05-22 [LA Korean-American Bank ‘Quantum Bank’ Project Collapses - The Korea Daily](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNejExT2RNdHo0VDRHYjBfaFpCRzVmb2dHRWJyOW5YcWlHTFdYM3ptT0tRRHdjQkh0LTllNEZBX1Q2bmVlNHZIRW4ySUQyOTJfM0M3YnZxUE9xX3ZfVVU5cUxLN0tkVDBHN2FlOGppRjRHUE1jTkhUeloxTUVCLUZ2NHlvUUxYWlBi?oc=5) · The Korea Daily

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57120 (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/32.json (key "57120", 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