BlastPoint's Banking Scorecard

UniBank

$100M-$1B Specialty: Commercial WA FDIC cert 58407

Designations: ✓ Minority Depository Institution

Lynnwood, WA

4 branches across WA

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 10 in WA.
Deposits -10.2% year over year ($322.6M on the books).
Delinquency rate 0.54%.
Return on assets -0.25%.
Efficiency ratio 139.29% vs a 64.48% peer average.
Loan-to-deposit ratio 83.04% 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 10 in WA

View $100M-$1B leaderboard (WA) →

UniBank has 1 strength but faces 6 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

+ Delinquency Rate 0.38% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 3.2% in tier
- Deposit Outflow: Bottom 4.7% in tier
- NIB Deposit Bleed: Bottom 66.7% in tier
- Return on Assets 1.57% below tier average
- Net Interest Margin 1.24% below tier average
- Efficiency Ratio 74.81% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Total Assets ?	$393.0M -4.0% YoY -2.2% QoQ	+$6.4M	$386.6M +1.2% YoY	$3.2B +7.3% YoY	$6.3B +7.7% YoY	60%
Total Loans ?	$267.8M -14.8% YoY +1.6% QoQ	+$9.5M	$258.3M +1.7% YoY	$2.3B +6.2% YoY	$3.2B +9.4% YoY	62%
Total Deposits ?	$322.6M -10.2% YoY -2.8% QoQ	-$4.2M	$326.7M +0.7% YoY	$2.6B +6.6% YoY	$4.9B +7.3% YoY	58%
Return on Assets ?	-0.25% +55.3% YoY -85.7% QoQ	-1.57%	1.32% +10.8% YoY	0.49% -20.7% YoY	1.30% +12.1% YoY	Bottom 2.5% in tier
Net Interest Margin ?	2.74% +10.3% YoY -10.3% QoQ	-1.24%	3.99% +5.0% YoY	3.77% +1.0% YoY	3.95% +4.9% YoY	Bottom 5.5% in tier
Efficiency Ratio ?	139.29% +26.4% YoY +8.9% QoQ	+74.81%	64.48% -3.2% YoY	77.86% +4.3% YoY	70.05% +2.5% YoY	Bottom 0.6% in tier
Delinquency Rate ?	0.54% -69.5% YoY -4.2% QoQ	-0.38%	0.92% +15.7% YoY	2.42% +282.9% YoY	0.98% +16.3% YoY	44%
Loan-to-Deposit Ratio ?	83.04% -5.1% YoY +4.5% QoQ	+5.09%	77.95% +1.0% YoY	82.67% -3.3% YoY	79.03% +2.3% YoY	43%
Non-Interest-Bearing Deposit Share ?	15.82% -14.7% YoY -10.1% QoQ	-6.21%	22.03% -0.6% YoY	25.26% +1.1% YoY	21.98% -0.6% YoY	27%
Nonperforming Asset Ratio ?	0.37% -72.9% YoY -0.5% QoQ	-0.30%	0.67% +16.4% YoY	1.67% +187.6% YoY	0.69% +15.8% YoY	46%
Tier 1 Capital Ratio ?	10.25% +11.2% YoY -3.6% QoQ	-5.66%	15.91% +1.4% YoY	12.96% -1.6% YoY	17.09% +0.8% YoY	Bottom 13.6% in tier
Non-Interest Income / Assets ?	0.10% +35.0% YoY +105.0% QoQ	-0.46%	0.57% +7.6% YoY	0.42% +15.9% YoY	0.66% +5.2% YoY	19%

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 (WA)	National Avg	Tier Percentile
Noninterest-Bearing	15.8% -2.7pp YoY -1.8pp QoQ	-6.3pp	22.1%	25.3%	22.2%	27%
Brokered Deposits	20.0% +1.6pp YoY +0.5pp QoQ	+12.2pp	7.9%	8.9%	8.5%	90%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
C&I	4.2% +0.3pp YoY +0.4pp QoQ	-7.4pp	11.6%	10.5%	12.5%	15%
CRE	67.4% +10.2pp YoY +3.1pp QoQ	+27.9pp	39.5%	50.6%	41.4%	91%
1-4 Family	29.8% -10.6pp YoY -3.6pp QoQ	-2.8pp	32.6%	30.1%	31.3%	51%
Consumer	0.0% 0.0pp YoY 0.0pp QoQ	-4.1pp	4.1%	7.9%	5.0%	1%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
CET1 Ratio	10.2% +1.0pp YoY -0.4pp QoQ	-8.6pp	18.8%	12.7%	19.7%	3%
Leverage Ratio	7.3% +0.1pp YoY +0.1pp QoQ	-4.9pp	12.2%	10.7%	12.6%	0%
Total Capital Ratio	11.3% +0.9pp YoY -0.4pp QoQ	-8.6pp	19.9%	13.8%	20.8%	3%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Full-Time Employees	50 +1 (+2.0%) YoY -2 (-3.8%) QoQ	-9	58	343	482	53%
Assets per Employee ($)	$7.9M -5.9% YoY +1.7% QoQ	+$342K	$7.5M	$8.5M	$8.8M	66%
Branch Count	4 0 YoY 0 QoQ	-1	4	24	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	0.5% -1.2pp YoY 0.0pp QoQ	-0.4pp	0.9%	2.6%	1.0%	55%
Allowance Coverage	2.01x +196.4% YoY 0.0% QoQ	-22.14x	24.15x	4.50x	20.23x	48%
Net Charge-off Rate (YTD)	-1.4% -5.1pp YoY +0.1pp QoQ	-1.5pp	0.1%	0.4%	0.2%	0%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
ROE	-3.5% +5.5pp YoY -1.6pp QoQ	-15.7pp	12.2%	-2.7%	11.6%	2%
Cost of Funds (YTD)	3.0% -0.3pp YoY 0.0pp QoQ	+1.3pp	1.7%	1.8%	1.7%	98%
Net Income ($, YTD)	$-500000.0 +60.8% YoY — QoQ	-$3.1M	$2.6M	$14.3M	$40.4M	2%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (3)

Capital Thin

risk

#22 of 661 • Bottom 3.2% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.25%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Deposit Outflow

decline

#26 of 535 • Bottom 4.7% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank improving

NIB Deposit Bleed

decline

#109 of 162 • Bottom 66.7% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 15.82%

(Tier: 22.03%, National: 21.98%)

worse than tier avg

162 of 162 Community banks match · 211 nationally

↓ Shrinking -26 banks QoQ

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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (5 metrics)

2628

Efficiency Ratio

profitability

Value: 139.29%

Peer Median: 64.48%

#2628 of 2643 Bottom 0.6% in $100M-$1B

2578

Return on Assets

profitability

Value: -0.25%

Peer Median: 1.32%

#2578 of 2643 Bottom 2.5% in $100M-$1B

2498

Net Interest Margin

profitability

Value: 2.74%

Peer Median: 3.99%

#2498 of 2643 Bottom 5.5% in $100M-$1B

2285

Tier 1 Capital Ratio

capital

Value: 10.25%

Peer Median: 15.91%

#2285 of 2643 Bottom 13.6% in $100M-$1B

2151

Non-Interest Income / Assets

revenue_mix

Value: 0.10%

Peer Median: 0.57%

#2151 of 2643 Bottom 18.7% in $100M-$1B