BlastPoint's Banking Scorecard
United Orient Bank
Designations: ✓ Minority Depository Institution
New York, NY
2 branches across NY
United Orient Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.70% above tier average
Key Concerns
Areas that may need attention
- - Return on Assets 1.40% below tier average
- - Efficiency Ratio 38.24% above tier average
- - Loan-to-Deposit Ratio 38.29% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$103.9M
+1.8% YoY
+3.2% QoQ
|
-$282.2M |
$386.1M
+0.5% YoY
|
$19.3B
+17.3% YoY
|
$6.2B
+9.1% YoY
|
Bottom 1.5% in tier |
| Total Loans ? |
$82.2M
+5.7% YoY
+1.0% QoQ
|
-$173.6M |
$255.7M
+1.1% YoY
|
$8.1B
+14.6% YoY
|
$3.2B
+10.8% YoY
|
Bottom 12.1% in tier |
| Total Deposits ? |
$71.5M
+4.2% YoY
+5.1% QoQ
|
-$256.5M |
$328.0M
+0.1% YoY
|
$15.1B
+16.0% YoY
|
$4.8B
+8.2% YoY
|
Bottom 0.6% in tier |
| Return on Assets ? |
-0.13%
+50.8% YoY
+21.7% QoQ
|
-1.40% |
1.27%
+12.9% YoY
|
0.86%
+14.3% YoY
|
1.23%
+13.4% YoY
|
Bottom 3.0% in tier |
| Net Interest Margin ? |
4.63%
-0.2% YoY
-1.2% QoQ
|
+0.70% |
3.93%
+6.0% YoY
|
3.45%
+7.0% YoY
|
3.89%
+5.7% YoY
|
Top 14.8% in tier |
| Efficiency Ratio ? |
103.53%
-3.7% YoY
-0.3% QoQ
|
+38.24% |
65.29%
-4.5% YoY
|
69.17%
-3.6% YoY
|
66.95%
-4.1% YoY
|
Bottom 2.0% in tier |
| Delinquency Rate ? |
0.84%
-7.4% YoY
-2.8% QoQ
|
-0.05% |
0.89%
+18.8% YoY
|
1.13%
+6.9% YoY
|
0.95%
+18.8% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
114.92%
+1.4% YoY
-3.9% QoQ
|
+38.29% |
76.64%
+0.8% YoY
|
77.98%
+0.4% YoY
|
76.70%
+0.9% YoY
|
Bottom 1.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.17%
-0.0% YoY
+5.6% QoQ
|
+6.15% |
22.02%
-1.0% YoY
|
21.94%
+1.2% YoY
|
22.01%
-1.2% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.66%
-3.9% YoY
-4.9% QoQ
|
+0.02% |
0.64%
+19.7% YoY
|
0.73%
+4.5% YoY
|
0.67%
+19.3% YoY
|
31% |
| Tier 1 Capital Ratio ? |
12.81%
-4.0% YoY
-1.2% QoQ
|
-3.02% |
15.83%
+1.5% YoY
|
24.83%
+10.8% YoY
|
17.06%
+0.8% YoY
|
45% |
| Non-Interest Income / Assets ? |
0.05%
+2.2% YoY
-74.8% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
0.21%
+9.1% YoY
|
0.32%
+4.1% YoY
|
19% |
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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.