UniBank for Savings
UniBank for Savings reported total assets of $3.1 bn at Q2 2026, up 5.8% on a year earlier, the 408th largest of 497 banks in our US coverage. The CET1 capital ratio at UniBank for Savings was 14.02%, and the uninsured share of UniBank for Savings was 29.42%. Source: FDIC Call Reports.
Key takeaways
- On common equity tier 1 (CET1) ratio, UniBank for Savings climbed from 227th to 157th among 448 US banks between and (1 = highest; FDIC Call Reports).
- UniBank for Savings reports one of the lowest tier 1 leverage ratio readings among banks of $1 bn to $10 bn: 8.83% at , where the median of the 339 banks is 10.45% (FDIC Call Reports).
What sets UniBank for Savings apart
How large is UniBank for Savings?
The balance sheet of UniBank for Savings at : assets $3.1 bn, deposits $2.6 bn, net loans $2.1 bn (loans equal to 82.44% of deposits). Securities make up 18.7% of total assets at UniBank for Savings. Since , when UniBank for Savings held $1.6 bn, its assets grew 100.5%. In the year to , deposits at UniBank for Savings rose 4.4% while its total assets rose 5.8%. At , UniBank for Savings employed 284 full-time equivalent staff across 15 offices, about $10.9 mn of assets per employee and $171.6 mn of deposits per office.
How much funding at UniBank for Savings is uninsured?
At UniBank for Savings, uninsured deposits (above the FDIC limit) made up 29.42% of domestic deposits at (+0.44 pp on a year earlier); UniBank for Savings ranks 322nd of 500 on this measure. In dollars, UniBank for Savings estimated $757.4 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.6 bn | +4.4% | 407th of 499 |
| Net loans and leases | $2.1 bn | +3.1% | 418th of 500 |
| Loan-to-deposit ratio | 82.44% | -1.06 pp | 314th of 500 |
| Tier 1 leverage ratio | 8.83% | +0.38 pp | 446th of 500 |
| Total risk-based capital ratio | 15.27% | +0.85 pp | 152nd of 448 |
| Net interest margin | 3.10% | +0.23 pp | 389th of 500 |
| Return on assets (ROA) | 1.06% | +0.30 pp | 359th of 500 |
| Efficiency ratio | 58.06% | -5.43 pp | 297th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $832,000 | Narrowed by $285,000 | |
| Unrealized gain/loss on available-for-sale securities | Loss of $55.1 mn | Narrowed by $10.2 mn | |
| Noncurrent loans to total loans | 0.62% | +0.13 pp | 253rd of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.01% | +0.01 pp | 104th of 500 (1 = lowest) |
US rank of UniBank for Savings: 1 = highest unless marked 1 = lowest.
Balance sheet
UniBank for Savings: assets, deposits and loans
- Total assets $3.1bn
- Deposits $2.6bn
- Net loans $2.1bn
Capital and securities
The CET1 ratio of UniBank for Savings stood at 14.02% in , +0.85 pp year on year. Low and high at UniBank for Savings since : 11.12% () to 14.02% (). Equity capital of UniBank for Savings at : $236.2 mn, or 7.6% of total assets. UniBank for Savings also reported a total capital ratio of 15.27% for , and a tier 1 leverage ratio of 8.83%.
On held-to-maturity securities, UniBank for Savings carried an unrealized loss of $832,000 at , equal to 0.4% of equity capital. The loss narrowed by $285,000 over the year. Its deepest point: $2.1 mn in . The available-for-sale portfolio of UniBank for Savings showed an unrealized loss of $55.1 mn at ; the loss narrowed by $10.2 mn over the year.
UniBank for Savings: capital ratios
- Total capital 15%
- CET1 14%
- Tier 1 leverage 8.8%
UniBank for Savings: unrealized securities gains and losses
- Available for sale -$55mn
- Held to maturity -$832,000
Profitability and loan quality
For the year to , UniBank for Savings earned a return on equity of 13.54%; return on assets: 1.06%. Net interest margin at UniBank for Savings: 3.10%, +0.23 pp in a year. UniBank for Savings net income: $15.5 mn, up 48.1% year on year. The efficiency ratio of UniBank for Savings was 58.06%: about 58 cents cost per revenue dollar, against 61 cents at the median peer.
At , noncurrent loans were 0.62% of total loans at UniBank for Savings; net charge-offs: 0.01% of average loans. Gross loans and leases at UniBank for Savings: $2.2 bn, up 3.1% in a year.
UniBank for Savings: profitability
- Return on equity 14%
- Net interest margin 3.1%
- Return on assets 1.1%
Peer group of UniBank for Savings
The peer group of UniBank for Savings is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of UniBank for Savings (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Massachusetts. Against them, UniBank for Savings shows CET1 ratio 14.02% against a peer median of 14.14%, return on equity 13.54% against a peer median of 9.72% and uninsured deposit share 29.42% against a peer median of 32.02%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Citizens & Northern Bank | State member bank | PA | $3.1 bn | 12.85% | 8.61% | 31.42% | |
| Amboy Bank | State member bank | NJ | $3.1 bn | 14.75% | 21.96% | 53.18% | |
| BCB Community Bank | State nonmember bank | NJ | $3.1 bn | not reported | -4.67% | 44.78% | |
| UniBank for Savings | State nonmember bank | MA | $3.1 bn | 14.02% | 13.54% | 29.42% | |
| Penn Community Bank | State-chartered stock savings bank | PA | $3.1 bn | 16.17% | 5.31% | 32.62% | |
| CB&S Bank, Inc. | State nonmember bank | AL | $3.1 bn | not reported | 12.21% | 31.10% | |
| Midwest BankCentre | State member bank | MO | $3.1 bn | 13.54% | 10.84% | 26.11% | |
. FDIC Call Reports.
Last eight quarters
Two years at UniBank for Savings, to : assets +20.1%, deposits +17.3%, equity +18.6%. Staff 264 to 284; offices 14 to 15.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.6 bn | $2.6 bn | $2.7 bn | $2.9 bn | $2.8 bn | $2.7 bn | $2.9 bn | $3.1 bn |
| Total deposits | $2.2 bn | $2.1 bn | $2.3 bn | $2.5 bn | $2.2 bn | $2.1 bn | $2.4 bn | $2.6 bn |
| Bank equity capital | $199.2 mn | $189.2 mn | $198.3 mn | $206.5 mn | $212.9 mn | $220.7 mn | $227.8 mn | $236.2 mn |
| CET1 ratio | 13.15% | 13.04% | 12.85% | 13.17% | 13.35% | 13.39% | 13.86% | 14.02% |
| Return on equity (ROE) | 10.30% | 10.11% | 8.49% | 10.54% | 11.06% | 10.81% | 12.05% | 13.54% |
| Uninsured share of domestic deposits | 32.55% | 31.44% | 31.47% | 28.98% | 30.62% | 31.93% | 29.59% | 29.42% |
| Full-time equivalent employees | 264 | 252 | 254 | 258 | 270 | 268 | 266 | 284 |
| Number of offices | 14 | 15 | 15 | 15 | 15 | 15 | 15 | 15 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by UniBank for Savings appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of UniBank for Savings?
UniBank for Savings reported $3.1 bn at in its Call Report. That makes UniBank for Savings the 408th largest of 497 banks in our US coverage.
Is UniBank for Savings the same as its holding company?
No. This page covers UniBank for Savings, FDIC certificate 90290; UFS BCORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is UniBank for Savings profitable?
UniBank for Savings reported net income of $15.5 mn for the year to ; annualized return on equity: 13.54%. So yes: UniBank for Savings made a profit over these months.
When is data for UniBank for Savings next updated?
Figures from UniBank for Savings for are due after .
Where can I check the figures for UniBank for Savings?
In the FDIC BankFind Suite record for certificate 90290, and in the Call Reports of UniBank for Savings (RSSD ID 709602) at the FFIEC Central Data Repository.