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OneUnited Bank

$100M-$1B Specialty: Commercial MA FDIC cert 23966

Designations: ✓ CDFI-certified ✓ Minority Depository Institution

Boston, MA

5 branches across CA · MA · FL

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 39 in MA.
  • Deposits -1.1% year over year ($511.7M on the books).
  • Delinquency rate 0.43%.
  • Return on assets -0.80%.
  • Efficiency ratio 107.54% vs a 64.48% peer average.
  • Loan-to-deposit ratio 79.69% 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 39 in MA
View $100M-$1B leaderboard (MA) →

OneUnited Bank has 2 strengths but faces 4 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

  • + Revenue Diversifier: Top 42.2% in tier
  • + Delinquency Rate 0.49% below tier average

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 8.0% in tier
  • - Credit Quality Pressure: Bottom 48.7% in tier
  • - Return on Assets 2.13% below tier average
  • - Net Interest Margin 1.81% below tier average
Get updates when OneUnited Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Total Assets ? $637.9M
+5.1% YoY +4.7% QoQ
+$251.4M $386.6M
+1.2% YoY
$7.0B
+13.2% YoY
$6.3B
+7.7% YoY
83%
Total Loans ? $407.8M
+0.2% YoY +1.0% QoQ
+$149.4M $258.3M
+1.7% YoY
$2.5B
+16.1% YoY
$3.2B
+9.4% YoY
80%
Total Deposits ? $511.7M
-1.1% YoY +6.2% QoQ
+$185.0M $326.7M
+0.7% YoY
$5.6B
+14.9% YoY
$4.9B
+7.3% YoY
81%
Return on Assets ? -0.80%
-499.7% YoY +22.4% QoQ
-2.13% 1.32%
+10.8% YoY
0.66%
+38.5% YoY
1.30%
+12.1% YoY
Bottom 1.4% in tier
Net Interest Margin ? 2.18%
-8.5% YoY -0.7% QoQ
-1.81% 3.99%
+5.0% YoY
3.05%
+8.7% YoY
3.95%
+4.9% YoY
Bottom 1.2% in tier
Efficiency Ratio ? 107.54%
+6.5% YoY +3.4% QoQ
+43.06% 64.48%
-3.2% YoY
79.07%
-1.9% YoY
70.05%
+2.5% YoY
Bottom 1.7% in tier
Delinquency Rate ? 0.43%
+119.1% QoQ
-0.49% 0.92%
+15.7% YoY
0.74%
+5.8% YoY
0.98%
+16.3% YoY
50%
Loan-to-Deposit Ratio ? 79.69%
+1.3% YoY -4.9% QoQ
+1.74% 77.95%
+1.0% YoY
91.41%
-1.2% YoY
79.03%
+2.3% YoY
50%
Non-Interest-Bearing Deposit Share ? 12.98%
-3.7% YoY -9.8% QoQ
-9.05% 22.03%
-0.6% YoY
16.01%
-3.7% YoY
21.98%
-0.6% YoY
17%
Nonperforming Asset Ratio ? 0.27%
+111.3% QoQ
-0.40% 0.67%
+16.4% YoY
0.59%
+7.5% YoY
0.69%
+15.8% YoY
54%
Tier 1 Capital Ratio ? 10.43%
-5.9% YoY -3.7% QoQ
-5.48% 15.91%
+1.4% YoY
15.08%
+1.7% YoY
17.09%
+0.8% YoY
16%
Non-Interest Income / Assets ? 0.86%
-27.0% YoY +89.6% QoQ
+0.30% 0.57%
+7.6% YoY
0.57%
+4.1% YoY
0.66%
+5.2% YoY
Top 4.2% 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 (MA) National Avg Tier Percentile
Noninterest-Bearing 13.0%
-0.5pp YoY
-1.4pp QoQ
 -9.2pp 22.1% 16.2% 22.2% 17%
Brokered Deposits 27.1%
-0.6pp YoY
+4.7pp QoQ
 +19.2pp 7.9% 6.1% 8.5% 96%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
C&I n/a n/a 11.6% 6.5% 12.5% n/a
CRE n/a n/a 39.5% 40.3% 41.4% n/a
1-4 Family 1.9%
-0.4pp YoY
-0.1pp QoQ
 -30.7pp 32.6% 52.4% 31.3% 2%
Consumer 0.3%
-0.1pp YoY
0.0pp QoQ
 -3.8pp 4.1% 1.6% 5.0% 11%

Capital

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 16.6% 19.7% n/a
Leverage Ratio 10.4%
-0.7pp YoY
-0.4pp QoQ
 -1.7pp 12.2% 11.5% 12.6% 40%
Total Capital Ratio n/a n/a 19.9% 17.5% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Full-Time Employees 102
-19 (-15.7%) YoY
-2 (-1.9%) QoQ
 +43 58 755 482 88%
Assets per Employee ($) $6.3M
+24.7% YoY
+6.8% QoQ
 -$1.3M $7.5M $10.7M $8.8M 38%
Branch Count 5
0 YoY
0 QoQ
 0 4 13 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.4% 9%
Nonaccrual 0.4%
+0.4pp YoY
+0.2pp QoQ
 -0.5pp 0.9% 0.8% 1.0% 48%
Allowance Coverage 0.92x
-91.5% YoY
-55.2% QoQ
 -23.23x 24.15x 7.95x 20.23x 24%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 33%

Profitability

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
ROE -8.9%
-11.1pp YoY
+2.7pp QoQ
 -21.1pp 12.2% 5.6% 11.6% 1%
Cost of Funds (YTD) 1.7%
+0.3pp YoY
+0.2pp QoQ
 0.0pp 1.7% 2.0% 1.7% 52%
Net Income ($, YTD) $-2694000.0
-507.6% YoY
— QoQ
 -$5.2M $2.6M $31.7M $40.4M 1%

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 (1)

Revenue Diversifier

growth
#280 of 661 • Top 42.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.86%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: -0.80%
(Tier: 1.32%, National: 1.30%)
but worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (2)

Efficiency Drag

risk
#30 of 361 • Bottom 8.0% in tier

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

Why this signature
Efficiency Ratio: 107.54%
(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

Credit Quality Pressure

risk
#613 of 1256 • Bottom 48.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.43%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

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 (4 metrics)

113
Non-Interest Income / Assets
revenue_mix
Value: 0.86%
Peer Median: 0.57%
#113 of 2643 Top 4.2% in $100M-$1B
443
Total Assets
size
Value: $637.94M
Peer Median: $386.57M
#443 of 2643 Top 16.7% in $100M-$1B
497
Total Deposits
size
Value: $511.72M
Peer Median: $326.73M
#497 of 2643 Top 18.8% in $100M-$1B
528
Total Loans
size
Value: $407.79M
Peer Median: $258.35M
#528 of 2643 Top 19.9% in $100M-$1B

Top Weaknesses (5 metrics)

2611
Net Interest Margin
profitability
Value: 2.18%
Peer Median: 3.99%
#2611 of 2643 Bottom 1.2% in $100M-$1B
2607
Return on Assets
profitability
Value: -0.80%
Peer Median: 1.32%
#2607 of 2643 Bottom 1.4% in $100M-$1B
2600
Efficiency Ratio
profitability
Value: 107.54%
Peer Median: 64.48%
#2600 of 2643 Bottom 1.7% in $100M-$1B
2226
Tier 1 Capital Ratio
capital
Value: 10.43%
Peer Median: 15.91%
#2226 of 2643 Bottom 15.8% in $100M-$1B
2183
Non-Interest-Bearing Deposit Share
funding
Value: 12.98%
Peer Median: 22.03%
#2183 of 2643 Bottom 17.4% in $100M-$1B
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