BlastPoint's Banking Scorecard
United Orient Bank
Designations: ✓ Minority Depository Institution
New York, NY
2 branches across NY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 48 in NY.
- Deposits +1.0% year over year ($69.3M on the books).
- Delinquency rate 0.81%.
- Return on assets -0.12%.
- Efficiency ratio 102.67% vs a 64.48% peer average.
- Loan-to-deposit ratio 121.48% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
United Orient Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.71% above tier average
- + Delinquency Rate 0.11% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 1.44% below tier average
- - Efficiency Ratio 38.19% above tier average
- - Loan-to-Deposit Ratio 43.52% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$101.4M
-0.4% YoY
-2.4% QoQ
|
-$285.2M |
$386.6M
+1.2% YoY
|
$19.3B
+10.2% YoY
|
$6.3B
+7.7% YoY
|
Bottom 0.3% in tier |
| Total Loans ? |
$84.2M
+9.5% YoY
+2.4% QoQ
|
-$174.2M |
$258.3M
+1.7% YoY
|
$8.2B
+12.4% YoY
|
$3.2B
+9.4% YoY
|
Bottom 12.1% in tier |
| Total Deposits ? |
$69.3M
+1.0% YoY
-3.1% QoQ
|
-$257.5M |
$326.7M
+0.7% YoY
|
$14.8B
+8.7% YoY
|
$4.9B
+7.3% YoY
|
Bottom 0.6% in tier |
| Return on Assets ? |
-0.12%
+15.5% YoY
+8.6% QoQ
|
-1.44% |
1.32%
+10.8% YoY
|
0.94%
+14.0% YoY
|
1.30%
+12.1% YoY
|
Bottom 2.8% in tier |
| Net Interest Margin ? |
4.69%
-0.8% YoY
+1.4% QoQ
|
+0.71% |
3.99%
+5.0% YoY
|
3.52%
+6.2% YoY
|
3.95%
+4.9% YoY
|
Top 14.4% in tier |
| Efficiency Ratio ? |
102.67%
-0.6% YoY
-0.8% QoQ
|
+38.19% |
64.48%
-3.2% YoY
|
67.96%
-1.8% YoY
|
70.05%
+2.5% YoY
|
Bottom 2.0% in tier |
| Delinquency Rate ? |
0.81%
-1.6% YoY
-3.4% QoQ
|
-0.11% |
0.92%
+15.7% YoY
|
1.19%
+15.7% YoY
|
0.98%
+16.3% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
121.48%
+8.3% YoY
+5.7% QoQ
|
+43.52% |
77.95%
+1.0% YoY
|
79.34%
+1.1% YoY
|
79.03%
+2.3% YoY
|
Bottom 0.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
24.44%
-4.6% YoY
-13.3% QoQ
|
+2.41% |
22.03%
-0.6% YoY
|
22.09%
+0.6% YoY
|
21.98%
-0.6% YoY
|
64% |
| Nonperforming Asset Ratio ? |
0.67%
+8.2% YoY
+1.4% QoQ
|
+0.00% |
0.67%
+16.4% YoY
|
0.79%
+14.5% YoY
|
0.69%
+15.8% YoY
|
32% |
| Tier 1 Capital Ratio ? |
12.53%
-3.2% YoY
-2.2% QoQ
|
-3.37% |
15.91%
+1.4% YoY
|
23.90%
+5.3% YoY
|
17.09%
+0.8% YoY
|
42% |
| Non-Interest Income / Assets ? |
0.10%
-2.5% YoY
+100.8% QoQ
|
-0.47% |
0.57%
+7.6% YoY
|
0.52%
+23.2% YoY
|
0.66%
+5.2% YoY
|
18% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
24.4%
-1.2pp YoY -3.7pp QoQ |
+2.3pp | 22.1% | 22.1% | 22.2% | 64% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.6%
+0.9pp YoY -0.2pp QoQ |
-5.0pp | 11.6% | 11.0% | 12.5% | 30% |
| CRE | n/a | n/a | 39.5% | 46.2% | 41.4% | n/a |
| 1-4 Family |
20.8%
-3.3pp YoY -1.9pp QoQ |
-11.9pp | 32.6% | 36.6% | 31.3% | 32% |
| Consumer |
0.0%
0.0pp YoY 0.0pp QoQ |
-4.1pp | 4.1% | 5.1% | 5.0% | 2% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 26.1% | 19.7% | n/a |
| Leverage Ratio |
12.5%
-0.4pp YoY -0.3pp QoQ |
+0.4pp | 12.2% | 13.9% | 12.6% | 70% |
| Total Capital Ratio | n/a | n/a | 19.9% | 27.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
22
-1 (-4.3%) YoY 0 QoQ |
-37 | 58 | 914 | 482 | 14% |
| Assets per Employee ($) |
$4.6M
+4.1% YoY -2.4% QoQ |
-$2.9M | $7.5M | $14.8M | $8.8M | 9% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 27 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.4% | 49% |
| Nonaccrual |
0.7%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.9% | 1.3% | 1.0% | 63% |
| Allowance Coverage |
1.59x
-7.2% YoY +1.0% QoQ |
-22.56x | 24.15x | 1.92x | 20.23x | 41% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-0.9%
+0.1pp YoY +0.1pp QoQ |
-13.1pp | 12.2% | 7.9% | 11.6% | 3% |
| Cost of Funds (YTD) |
2.1%
-0.1pp YoY +0.1pp QoQ |
+0.4pp | 1.7% | 1.8% | 1.7% | 77% |
| Net Income ($, YTD) |
$-62000.0
+13.9% YoY — QoQ |
-$2.6M | $2.6M | $111.2M | $40.4M | 3% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.