# UNIBANK FOR SAVINGS
WHITINSVILLE, MA · FDIC certificate 90290 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $3.11B | |
| Deposits | $2.57B | |
| Loans and leases | $2.15B | |
| Total equity | $236.2M | |
| Loans / deposits | 82.44% (p38 of band) | 87.10% |
| Liquid assets / assets | 29.29% (p75 of band) | |
| Uninsured deposits / deposits | 29.42% (p45 of band) | 30.76% |
| Brokered deposits | 12.25% | |
| Wholesale funding | 20.93% (p90 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.83% (p10 of band) | 10.50% |
| Unrealized securities loss / equity | -23.63% (p15 of band) | -7.75% |
| AOCI / equity | 0.03% (p80 of band) | |
| ROA (annualized) | 1.06% (p35 of band) | 1.26% |
| Net interest margin | 3.10% (p19 of band) | 3.70% |
| Efficiency ratio | 58.06% (p46 of band) | |
| Noncurrent loans | 0.62% (p58 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p35 of band) | |
| Reserve coverage of noncurrent | 230.48% | |
| Real estate % of loans | 64% | |
| Construction % of loans | 14.63% (p13 of band) | |
| Auto loans | $1.4M (0.06% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 4.4% | |
| Employees | 284 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | uninsured deposits >50% |  |
| 2011-06 | 2 | reserve under noncurrent |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 1 |  | reserve under noncurrent |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | capital falling |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | reserve under noncurrent |  |
| 2013-06 | 1 |  | reserve under noncurrent |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | capital falling |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | capital falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | charge-offs p90 |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | charge-offs p90 |
| 2019-12 | 4 | run vulnerability, charge-offs p90, reserve under noncurrent |  |
| 2020-03 | 2 | capital falling | run vulnerability, charge-offs p90, reserve under noncurrent |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 4 | capital falling, expense ratio p90, NIM <2.5% |  |
| 2021-06 | 5 | charge-offs p90 |  |
| 2021-09 | 4 |  | expense ratio p90 |
| 2021-12 | 3 |  | capital falling |
| 2022-03 | 1 |  | NIM <2.5%, charge-offs p90 |
| 2022-06 | 4 | AOCI drag >20% of equity, securities losses >30% of equity, assets shrinking |  |
| 2022-09 | 3 |  | assets shrinking |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | run vulnerability |  |
| 2023-12 | 2 |  | run vulnerability |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 | uninsured deposits leaving | uninsured deposits >50% |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | wholesale funding >15% |  |
| 2025-06 | 5 | brokered >10%, capital falling |  |
| 2025-09 | 1 |  | securities losses >30% of equity, uninsured deposits leaving, brokered >10%, capital falling |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 2 | brokered >10% |  |

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

- 2025-08-07 [UniBank buys 100-year-old home linked to original founder’s family for $1M - wbjournal.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxNY2syM1ctTzlWNEI4QklaRHUxa1BpTXpnVkVKNTg0Q3FEV3JLUElUQnhYand3STk2c0g5UzNDc3Z3TDNEeVZqUEtBSEtKaWM4LWZOblA5WkpSQUFvUFI4UUhWN3IyRFFjUlhNZDg2c2hoSXlrT2I3NnJZRjNNMkI2ZFJlOGhjRU1RMkdjRVhyeXYwVTlFODVZWUcweWJpQWtqREhVZ0R3?oc=5) · wbjournal.com
- 2025-04-11 [America's Best Regional Banks and Credit Unions 2025 - Massachusetts - Newsweek Rankings](https://news.google.com/rss/articles/CBMilgFBVV95cUxPTmJPdGhIaWVPaHFvZ2lWVzJOZDVFakcwWUpsUFNQUWZUdDVHbW83OGFJSVpLVVFJanl4SjZUbjZGbXZCOWU4bHNIRjlmMUR2U2FTUjlhaVY0WkRXalRtU01VVl9mSzluUXNKc29CTGluQVcxdzFRWXpLWHhrRjZEVElWQlRPQUhhN1NvdHJDTFg2UDBFdmc?oc=5) · Newsweek Rankings
- 2016-10-06 [James Paulhus resigns from UniBank - Worcester Telegram](https://news.google.com/rss/articles/CBMinwFBVV95cUxNV2ZWQnhsRENmMjhKWTkzV3NLa0NmbWtwVWU3R2Z3c0ZMZklWRm8tems0Y3NzMHRLaWVNT2c5RktrRTM0QkY2N1RRWWcxYUpycWxmZkpja09vMXp6a0xlNkRUV2VaeEp1bllldTd2MmE2WktlUTJuZExqYVRyVjVhUTQwTFg0d3N4OVdPbEtvcjNJQl9sZVJJYXRKZVN1amc?oc=5) · Worcester Telegram
- 2025-07-28 [Movers & Shakers for July 28, 2025 - wbjournal.com](https://news.google.com/rss/articles/CBMib0FVX3lxTFB6YklNaEY0TVFKaTVPVnF1SUVMR21OTkV5SW1SbjlDemI0b09oTWthWFFzSnJyXy1qNFU2eTJwdzlHZERrcjlYU0pMSnlselYwc2Zhemo1TGVHeUxETFBNbHhuY2RXejUwbDZIaDNpSQ?oc=5) · wbjournal.com
- 2022-11-28 [Debra A. Gniadek Obituary (2022) - East Douglas, MA - Tancrell-Jackman Funeral Home - Uxbridge - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxPMXFqNzRqYXFvSWwzSzRUYUxQenU0aEFKR2NnTUd4WDE5MjN5cGRiNlBxbjdLNHBIX3doT05xQWszMEdBdVZzMldINTZaWGJEcTA4cDNwYmNlNDhxOEYyWUVETjlfX1BxQUZZUk82bjRYQWNwcWhoMTJ1a1lpVDBORHpR?oc=5) · legacy.com
- 2024-12-17 [UniBank to offer 99-cent gas at Kelley Square station for three hours Wednesday morning - wbjournal.com](https://news.google.com/rss/articles/CBMiugFBVV95cUxOLWNkZk5QTDhxamV3bVVNbUdrRkoxbk1VOHZobG9Lb21YQ1RIc2JUQ2piQUJPTEttZ2t2Z3hLUGJlcEdVcmxRRmhyNU5RclB3MDhPcVhXeHRYQXdyS1YyMnEwczlDS0dvQ0xtb3NjdTZVQzNvY0pPVng2Vi1ocWJmYkkzRTlGdkRqenlHaW9RR0oxVTdUUUlscVJNMFpzM0dzbkVvVkUyTWo5eTdFU0NGQ2FBdkNaeEZKb0E?oc=5) · wbjournal.com
- 2023-08-23 [William M. Mahoney Obituary - Worcester Telegram](https://news.google.com/rss/articles/CBMiW0FVX3lxTE5Wa0VWNUtzbThKYmI3OVp3NGxYSXhmRk1rTDloajZQRGg3dWMteHg0UHJXM0RFMTJtNFRmcUs0VWk0RzhHc3pZa0Jadm1JeWdqODFSbnFRQ0NxN0U?oc=5) · Worcester Telegram
- 2019-07-19 [UniBank CEO sees new career as homecoming - wbjournal.com](https://news.google.com/rss/articles/CBMifEFVX3lxTFB4MTgyR1lkdWhRZVpzRVVuRExsTm9XX1ZiWGthd1l3aDBVNmU3V0N1S0Nib2ZtZjZwTW53QWR2V0s5ekFRZ3dZdFFoeEFFdlFUM2VWa2UtaHBFMTZMX1RmcHk1dFZLQ0FBczNoRVpKQlhTRFNFVFFSc1ZrTms?oc=5) · wbjournal.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=90290 (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/50.json (key "90290", 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