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BDI
UF

UniBank for Savings

Whitinsville, MassachusettsFDIC Cert #90290

STATEEstablished 187015 branches

Holding company: UFS BCORPRegulator: FDIC

FDICCERT + OFFDOM

What's happening here

As of Q1 2026FDICCall Report

UniBank for Savings reported $2.92B in total assets. Deposits grew 3.84% over the prior year.

Return on assets was 0.96%, compared with the official FFIEC UBPR peer median of 0.75%. The leverage ratio was 9.10%.

  • Why is Tier 1 Leverage Ratio below its official FFIEC UBPR peers?
  • Why is CRE Concentration to Capital below its official FFIEC UBPR peers?
  • Why is Net Loan Growth, Year over Year below its official FFIEC UBPR peers?

Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.

Latest reported quarter

Key metrics

Assets
$2.92B
+6.7%y/y
Percentile by value69th percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICASSET
Deposits
$2.37B
+3.8%y/y
Percentile by value71st percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICDEP
Net loans
$2.08B
+1.7%y/y
Percentile by value67th percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICLNLSNET
ROA
0.96%
+34 bpsy/y
Peer standing66th percentile
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICNETINC + ROA
Efficiency
61.40%
−740 bpsy/y
Peer standing71st percentile
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICNONIX + NIM + NONII + EEFFR
Leverage
9.10%
+22 bpsy/y
Peer standing11th percentile
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICRBC1AAJ

Percentiles compare this bank with 130 ffiec ubpr peer group 101 — insured savings banks having assets greater than $1 billion.

Side-by-side comparison

UniBank for Savings beside its official FFIEC UBPR peers

The primary option is the peer group FFIEC assigned to this bank. The state option is FFIEC’s supplemental state group. Each pair uses the published FFIEC trimmed average when its formula matches the site registry; otherwise it uses a clearly labeled registry median within the same official membership.

FFIEC + FDICUBPR membership + Call Report metrics
ROA

This bank

0.96%

Registry median

0.75%
ROE

This bank

12.05%

FFIEC trimmed average

7.24%
NIM

This bank

3.09%

Registry median

3.07%
Loans YoY

This bank

+1.74%

FFIEC trimmed average

+4.10%
Leverage

This bank

9.10%

FFIEC trimmed average

11.60%

FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.

FDICCall Report

Balance sheet trend

Assets & deposits

Time range
Reporting mode
Assets and deposits by reporting quarter
QuarterAssetsDeposits
Q2 2021$2.58B$2.18B
Q3 2021$2.57B$2.05B
Q4 2021$2.38B$2.01B
Q1 2022$2.37B$2.05B
Q2 2022$2.4B$2.09B
Q3 2022$2.44B$2.14B
Q4 2022$2.5B$2.1B
Q1 2023$2.55B$2.21B
Q2 2023$2.69B$2.34B
Q3 2023$2.52B$2.24B
Q4 2023$2.51B$2.2B
Q1 2024$2.6B$2.26B
Q2 2024$2.74B$2.4B
Q3 2024$2.59B$2.2B
Q4 2024$2.57B$2.12B
Q1 2025$2.73B$2.28B
Q2 2025$2.94B$2.47B
Q3 2025$2.77B$2.25B
Q4 2025$2.74B$2.14B
Q1 2026$2.92B$2.37B

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$78.8M
Investor CRE$333M
Multifamily$37.4M
Construction$31.7M
1–4 family$888M
C&I$48.5M
Agriculture$0
Other$697M

FFIEC UBPR comparison

How this bank compares

UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDICNETINC + ROA
66th percentileToggle ROA distribution

Distribution histogram for ROA, with this bank marked when a value is reported.

10th 0.13%Median 0.75%90th 1.56%Observations 130
ROE
FDICNETINC + ROE
82nd percentileToggle ROE distribution

Distribution histogram for ROE, with this bank marked when a value is reported.

10th 1.17%Median 6.45%90th 15.17%Observations 130
NIM
FDICNIM + NIMY
50th percentileToggle NIM distribution

Distribution histogram for NIM, with this bank marked when a value is reported.

10th 2.27%Median 3.07%90th 4.27%Observations 130
Efficiency
FDICNONIX + NIM + NONII + EEFFR
71st percentileToggle Efficiency distribution

Distribution histogram for Efficiency, with this bank marked when a value is reported.

10th 47.12%Median 70.18%90th 88.52%Observations 130
Deposits YoY
FDICDEP
58th percentileby valueToggle Deposits YoY distribution

Distribution histogram for Deposits YoY, with this bank marked when a value is reported.

10th −2.43%Median +3.43%90th +10.59%Observations 130
Loans YoY
FDICLNLSNET
28th percentileby valueToggle Loans YoY distribution

Distribution histogram for Loans YoY, with this bank marked when a value is reported.

10th −3.95%Median +3.82%90th +12.78%Observations 129
Noncurrent %
FDICP9ASSET + NAASSET + LNLSGR
62nd percentileToggle Noncurrent % distribution

Distribution histogram for Noncurrent %, with this bank marked when a value is reported.

10th 0.13%Median 0.56%90th 1.80%Observations 129
Leverage
FDICRBC1AAJ
11th percentileToggle Leverage distribution

Distribution histogram for Leverage, with this bank marked when a value is reported.

10th 9.09%Median 10.79%90th 16.37%Observations 130

Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.

IB deposit cost
FDICEINTEXP + DEPIDOM
85th percentileToggle IB deposit cost distribution

Distribution histogram for IB deposit cost, with this bank marked when a value is reported.

10th 1.81%Median 2.63%90th 3.99%Observations 130
CRE/capital
FDICLNRENROT + LNREMULT + LNRECONS + RBC
34th percentileby valueToggle CRE/capital distribution

Distribution histogram for CRE/capital, with this bank marked when a value is reported.

10th 26%Median 204%90th 411%Observations 89

Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.

Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.

Branches & markets

Physical footprint

Domestic offices
15 branches
Headquarters
Whitinsville, MA
FDICOFFDOMOpen the Massachusetts dashboard →

History

Institution established

Filings

Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data