# UNIBANK
LYNNWOOD, WA · FDIC certificate 58407 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $393.0M | |
| Deposits | $322.6M | |
| Loans and leases | $270.8M | |
| Total equity | $28.2M | |
| Loans / deposits | 83.04% (p53 of band) | 82.04% |
| Liquid assets / assets | 28.83% (p61 of band) | |
| Uninsured deposits / deposits | 15.99% (p15 of band) | 25.97% |
| Brokered deposits | 16.43% | |
| Wholesale funding | 26.61% (p97 of band) | |
| FHLB advances / assets | 10.18% | |
| Tier 1 leverage | 7.31% (p1 of band) | 10.81% |
| Unrealized securities loss / equity | -3.20% (p71 of band) | -8.10% |
| AOCI / equity | 0.38% (p90 of band) | |
| ROA (annualized) | -0.25% (p2 of band) | 1.28% |
| Net interest margin | 2.74% (p6 of band) | 3.91% |
| Efficiency ratio | 139.29% (p100 of band) | |
| Noncurrent loans | 0.54% (p56 of band) | 0.43% |
| Net charge-offs (annualized) | -0.95% (p0 of band) | |
| Reserve coverage of noncurrent | 201.44% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 2.11% (p6 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 | -10.2% | |
| Employees | 50 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 3 | noncurrent p90, charge-offs p90 |  |
| 2011-12 | 2 |  | charge-offs p90 |
| 2012-03 | 1 | capital falling | reserve under noncurrent, noncurrent p90 |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 3 | loans exceed deposits, wholesale funding >15% |  |
| 2013-09 | 1 |  | loans exceed deposits, wholesale funding >15% |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 1 | reserve under noncurrent |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | uninsured deposits leaving |  |
| 2014-12 | 2 | noncurrent p90 | uninsured deposits leaving |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 3 | capital falling |  |
| 2016-03 | 1 |  | noncurrent p90, capital falling |
| 2016-06 | 2 | noncurrent p90 |  |
| 2016-09 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | noncurrent p90 |
| 2016-12 | 4 |  |  |
| 2017-03 | 4 |  |  |
| 2017-06 | 2 | charge-offs p90 | reserve under noncurrent, assets shrinking, uninsured deposits leaving |
| 2017-09 | 3 | assets shrinking |  |
| 2017-12 | 1 |  | deposits shrinking, assets shrinking |
| 2018-03 | 1 | capital falling | charge-offs p90 |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | brokered >10% |  |
| 2020-06 | 4 | wholesale funding >15%, capital falling, uninsured deposits leaving |  |
| 2020-09 | 2 |  | capital falling, uninsured deposits leaving |
| 2020-12 | 3 | uninsured deposits leaving |  |
| 2021-03 | 2 |  | uninsured deposits leaving |
| 2021-06 | 2 |  |  |
| 2021-09 | 0 |  | brokered >10%, wholesale funding >15% |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | brokered >10%, wholesale funding >15% |  |
| 2022-09 | 3 | capital falling |  |
| 2022-12 | 1 |  | brokered >10%, wholesale funding >15% |
| 2023-03 | 0 |  | capital falling |
| 2023-06 | 1 | brokered >10% |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 4 | wholesale funding >15%, losing money, noncurrent p90 |  |
| 2024-03 | 5 | charge-offs p90, deposits shrinking, uninsured deposits leaving | losing money, noncurrent p90 |
| 2024-06 | 6 | assets shrinking |  |
| 2024-09 | 9 | capital falling, losing money, noncurrent p90 |  |
| 2024-12 | 11 | leverage <7%, reserve under noncurrent |  |
| 2025-03 | 12 | expense ratio p90, NIM <2.5% | capital falling |
| 2025-06 | 10 |  | noncurrent p90, leverage <7% |
| 2025-09 | 9 |  | NIM <2.5% |
| 2025-12 | 10 | NIM <2.5% |  |
| 2026-03 | 8 | capital falling | charge-offs p90, reserve under noncurrent, NIM <2.5% |
| 2026-06 | 5 |  | uninsured deposits leaving, assets shrinking, capital falling |

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

- 2026-08-28 [Due Process Minimums in Equity-Receivership Distribution Orders Affecting Asserted Secured Lien Rights - casemine.com](https://news.google.com/rss/articles/CBMi3wFBVV95cUxQSEpDV3lHeWNqNFpPYzRrWUQwQk9RVHJNX2Fzb0xoQTUyd1FkaEpCaGtLYzlJVGhJcVBPaldLdzdGS2hRbHNQUHlfX0NJZ0NQOEtXbXlIMGxPbUhjRkNUTDUwSWg4eUJranNZXzVpcndqN0lHUTFadnZEZHZBM2dUZ2NLNDZQdWR0Yi1SS0ZaUG91VnpMMmtROGM5Zi1MNEF0SkFKY2lWWU8wS00wcV9oeU8zSTRNSVY4STZ4WkpvSnkwUEtTSTBiSktXQXFuNjlYVjlDMDFBTTlOdHRSNWFz?oc=5) · casemine.com
- 2026-01-08 [Massachusetts bank seeks new CEO as leader emphasizes staying independent - The Business Journals](https://news.google.com/rss/articles/CBMikwFBVV95cUxNQld3bVA1eE1FYlk1eFBKbUx4MjJRZjZ6WnBscmZ1c21EaS1BYUJDMDJiUUtZZ190MjNYT0dMOHpWaWo4VGZ4VHRzMXhCWS11WUNjcTVESG1MeGJpSHhJM1ByUTZXQmgxRXpNemM5eHIxUGJQbmNUcG5jTmdMR3FFNWF4UkNVNVN6TUJmQ3ZBNGV6dXc?oc=5) · The Business Journals
- 2024-10-25 [Fed cites Washington state bank embroiled in Ponzi scheme allegations - Banking Dive](https://news.google.com/rss/articles/CBMiugFBVV95cUxPcllvUFlVUEtuWW8wRkxsdEpCMGpIZGxUbTQ2dTZoUFRiR1htbVpsakw5U3RyN3QzMmtoS1pkV2J5dXZRbEdkdGtKcmEzekhtbTJuVmNQZjduRzBvNEx1Vk5HNDBXWnpLTE1YSXdHd3N0RDFsbDYwUVh0N1VaWVZMazE3Rjg1djV6bEF3NmZvV1lfLXBkWjIzZ3JIYi1wbFlTQ1hQVlh6M0U3cVp0M1RwU3lBZDhHNFBnd2c?oc=5) · Banking Dive
- 2024-12-06 [Another WA bank sued over loans in alleged Ponzi scheme - The Seattle Times](https://news.google.com/rss/articles/CBMimgFBVV95cUxPLXRRajRmUVZnVkxIZEpmYWtiUmNUZVpMYXJwLTh2VkI2YU5UVUQ2RkhqX1RydEF1aHlQU2Y1ODJVZEczU285NGVuZ0YtWER4cWJCV2RmVGpXakFmZTd0QklxekU1T1B2cXNManZBcTRBOXM0ZzRRckZLMWpza0R4TkJCQzdNZ0tjY0k5SnZXd1N5YnFGbklCeVdR?oc=5) · The Seattle Times
- 2024-10-24 [Federal Reserve Enforcement Action Flags Deficiencies at UniBank - PYMNTS.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxOdlBzajN1SkthalFVeU55VHpSNVYwOWZ6M0J6NDhRUXNJZDE5aG44OV9PQWZITUpTajNJT2pGdV9FZWVza2JrNWVFZ0l0WFh5MnFiVk1SZS1tcWg3aHhtVHRXYnRYd0JidkgyZVJqaDZ6enNjX3dWQ1pKeFhGUW5EUFpWemtOVEFQUmxCZzZmemllUzVYQ1hjb2FGZDNqZ2FpWkpHUmk5OVAzYks1NVg1ZEdIVGRmQQ?oc=5) · PYMNTS.com
- 2025-08-03 [Stunning SBA 7(a) Fraud May Be Largest In Agency's History. Why Isn't Anyone Talking About It? - Fintech Business Weekly | Jason Mikula](https://news.google.com/rss/articles/CBMihwFBVV95cUxNSENaZ24xYWN3TjlTZXlwRUhrd3IzNDdmd19Ick50dlJWcGFzQlB3amRacFRqZEZZcEhQenVfRmtTenU4UGF0ZjRYek0tQ2ZWUXlfODV2ZUpOMzJNRjQ3NHdVVm5IMDFneHB6dWM4RUpYMXBhYVkxZ1l0ZTB1aVZZRnBUQ205VzA?oc=5) · Fintech Business Weekly | Jason Mikula
- 2024-07-02 [Whitinsville-based UniBank to open 2nd location in city across from Polar Park - Worcester Telegram](https://news.google.com/rss/articles/CBMi1AFBVV95cUxNUVZ6SHByOUpHZjlIQW94aldEQXV5V2tsM3dGYk5ycGc2VFA5b3FDSExjUTdzVU01TUxFWFpNdjR1UG10WFB6NlJKYzNjQUtiNE41WE4yckxGRjc1ZVY5TlFSVWpHdzlycXJVOUZnZGItWFkxYnhxb3dTZDBFdTFTQXdnQjNQbHB1UzZMQnFEcWxLZmZ4UV9PNDJudG1vUnZheEVUZjdwR3ZjRkx0SUlQNHd6dkh4VUpmQ2ZweUhGdVA1cXBDU3k3OXYwSUpHQTF2M21QdA?oc=5) · Worcester Telegram
- 2022-01-11 [Man says he robbed 12 businesses to pay for grandma’s rent, his addiction, WA cops say - thenewstribune.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxOVnc5Wld5TGRoTHZoMWtQY1ZBMFptRTROV2YtaWFtZXlIUjc4V0NtQUlEcnhkY2M1bEdqZUNxTnNBbmFxaDZaRFUyeHBSNmFBLVNKWTRVX1N5aGE5NmpqeUFiOXlkQmhGY2ZxbWptbnhMVWJxenVTVGRpZ1RoRzJCckFUUWpnZ9IBhgFBVV95cUxPWDR1WDdNUE5jR21SblFIV2hSbmVNYVJXejRTZ1NiMTFkNXc2OEdnbDdneWdIZjlsWTVmTEhOaWZ2UnhMN1VVV1dLSlQ3MTRjNDMzblNheTljekN6cVU5ajlfREdJRU45WDROT2ZtZUExVEVjazdJZVlfcmJRQVFJQV91UTZLQQ?oc=5) · thenewstribune.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58407 (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/39.json (key "58407", 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