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United Pacific Bank

$100M-$1B Specialty: Commercial CA FDIC cert 23805

Designations: ✓ Minority Depository Institution

City Of Industry, CA

2 branches across CA

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 53 in CA.
  • Deposits +10.0% year over year ($156.8M on the books).
  • Delinquency rate 2.55%.
  • Return on assets 0.40%.
  • Efficiency ratio 85.90% vs a 64.48% peer average.
  • Loan-to-deposit ratio 96.92% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 53 in CA
View $100M-$1B leaderboard (CA) →

United Pacific Bank has 1 strength but faces 7 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.12% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 26.3% in tier
  • - Efficiency Drag: Bottom 44.6% in tier
  • - Return on Assets 0.92% below tier average
  • - Delinquency Rate 1.63% above tier average
  • - Non-Interest-Bearing Deposit Share 15.71% below tier average
  • - Nonperforming Asset Ratio 1.36% above tier average
  • - Non-Interest Income / Assets 0.51% below tier average
Get updates when United Pacific Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Total Assets ? $191.0M
+8.2% YoY +2.1% QoQ
-$195.5M $386.6M
+1.2% YoY
$4.9B
+8.2% YoY
$6.3B
+7.7% YoY
24%
Total Loans ? $152.0M
+19.3% YoY +11.1% QoQ
-$106.4M $258.3M
+1.7% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
36%
Total Deposits ? $156.8M
+10.0% YoY +2.5% QoQ
-$169.9M $326.7M
+0.7% YoY
$4.0B
+7.9% YoY
$4.9B
+7.3% YoY
23%
Return on Assets ? 0.40%
+15.3% YoY +13.8% QoQ
-0.92% 1.32%
+10.8% YoY
1.69%
+23.4% YoY
1.30%
+12.1% YoY
Bottom 9.8% in tier
Net Interest Margin ? 4.11%
+2.1% YoY +2.4% QoQ
+0.12% 3.99%
+5.0% YoY
3.84%
+2.9% YoY
3.95%
+4.9% YoY
59%
Efficiency Ratio ? 85.90%
-2.3% YoY -1.3% QoQ
+21.42% 64.48%
-3.2% YoY
64.67%
-10.5% YoY
70.05%
+2.5% YoY
Bottom 8.3% in tier
Delinquency Rate ? 2.55% +1.63% 0.92%
+15.7% YoY
1.15%
+46.6% YoY
0.98%
+16.3% YoY
Bottom 8.5% in tier
Loan-to-Deposit Ratio ? 96.92%
+8.5% YoY +8.4% QoQ
+18.97% 77.95%
+1.0% YoY
86.69%
+1.8% YoY
79.03%
+2.3% YoY
Bottom 13.8% in tier
Non-Interest-Bearing Deposit Share ? 6.32%
-3.7% YoY -5.4% QoQ
-15.71% 22.03%
-0.6% YoY
25.07%
-3.4% YoY
21.98%
-0.6% YoY
Bottom 5.0% in tier
Nonperforming Asset Ratio ? 2.03% +1.36% 0.67%
+16.4% YoY
0.91%
+41.3% YoY
0.69%
+15.8% YoY
Bottom 6.7% in tier
Tier 1 Capital Ratio ? 17.39%
-5.7% YoY +0.5% QoQ
+1.49% 15.91%
+1.4% YoY
20.69%
-2.9% YoY
17.09%
+0.8% YoY
78%
Non-Interest Income / Assets ? 0.06%
-40.6% YoY +99.5% QoQ
-0.51% 0.57%
+7.6% YoY
1.26%
+3.5% YoY
0.66%
+5.2% YoY
Bottom 7.0% in tier

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 (CA) National Avg Tier Percentile
Noninterest-Bearing 6.3%
-0.2pp YoY
-0.4pp QoQ
 -15.8pp 22.1% 25.5% 22.2% 4%
Brokered Deposits n/a n/a 7.9% 11.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
C&I 3.6%
+1.3pp YoY
-0.4pp QoQ
 -8.0pp 11.6% 11.8% 12.5% 12%
CRE 98.1%
-1.8pp YoY
+0.3pp QoQ
 +58.5pp 39.5% 67.5% 41.4% 100%
1-4 Family 0.0%
0.0pp YoY
0.0pp QoQ
 -32.6pp 32.6% 16.5% 31.3% 0%
Consumer n/a n/a 4.1% 5.3% 5.0% n/a

Capital

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 23.7% 19.7% n/a
Leverage Ratio 17.4%
-1.1pp YoY
+0.1pp QoQ
 +5.2pp 12.2% 14.5% 12.6% 94%
Total Capital Ratio n/a n/a 19.9% 25.1% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Full-Time Employees 33
+2 (+6.5%) YoY
+1 (+3.1%) QoQ
 -26 58 337 482 31%
Assets per Employee ($) $5.8M
+1.7% YoY
-1.0% QoQ
 -$1.7M $7.5M $11.3M $8.8M 29%
Branch Count 2
0 YoY
0 QoQ
 -3 4 15 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Past Due 90+ Days 2.4% +2.1pp 0.3% 0.3% 0.4% 98%
Nonaccrual 0.1%
0.0pp QoQ
 -0.8pp 0.9% 1.4% 1.0% 22%
Allowance Coverage 0.65x
-94.7% QoQ
 -23.50x 24.15x 17.11x 20.23x 16%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.3% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
ROE 2.3%
+0.5pp YoY
+0.3pp QoQ
 -9.9pp 12.2% 8.2% 11.6% 7%
Cost of Funds (YTD) 2.6%
-0.3pp YoY
0.0pp QoQ
 +0.9pp 1.7% 1.9% 1.7% 92%
Net Income ($, YTD) $374,000
+29.9% YoY
— QoQ
 -$2.2M $2.6M $28.5M $40.4M 8%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Overhang

risk
#196 of 742 • Bottom 26.3% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 17.39%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 96.92%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Efficiency Drag

risk
#162 of 361 • Bottom 44.6% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 85.90%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

572
Tier 1 Capital Ratio
capital
Value: 17.39%
Peer Median: 15.91%
#572 of 2643 Top 21.6% in $100M-$1B

Top Weaknesses (9 metrics)

2511
Non-Interest-Bearing Deposit Share
funding
Value: 6.32%
Peer Median: 22.03%
#2511 of 2643 Bottom 5.0% in $100M-$1B
2466
Nonperforming Asset Ratio
credit_quality
Value: 2.03%
Peer Median: 0.67%
#2466 of 2643 Bottom 6.7% in $100M-$1B
2460
Non-Interest Income / Assets
revenue_mix
Value: 0.06%
Peer Median: 0.57%
#2460 of 2643 Bottom 7.0% in $100M-$1B
2424
Efficiency Ratio
profitability
Value: 85.90%
Peer Median: 64.48%
#2424 of 2643 Bottom 8.3% in $100M-$1B
2411
Delinquency Rate
credit_quality
Value: 2.55%
Peer Median: 0.92%
#2411 of 2633 Bottom 8.5% in $100M-$1B
2386
Return on Assets
profitability
Value: 0.40%
Peer Median: 1.32%
#2386 of 2643 Bottom 9.8% in $100M-$1B
2279
Loan-to-Deposit Ratio
liquidity
Value: 96.92%
Peer Median: 77.95%
#2279 of 2643 Bottom 13.8% in $100M-$1B
2037
Total Deposits
size
Value: $156.80M
Peer Median: $326.73M
#2037 of 2643 Bottom 23.0% in $100M-$1B
2004
Total Assets
size
Value: $191.04M
Peer Median: $386.57M
#2004 of 2643 Bottom 24.2% in $100M-$1B
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