United Orient Bank: how it compares with its peers
Against 12 NY banks with half to twice its assets, United Orient Bank's strongest measure in Q2 2026 is net interest margin (4.69% vs. a 3.77% peer median). Its weakest relative measure is assets per employee ($4.6M vs. $6.3M).
| Measure | United Orient Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -0.12% | 0.89% | Bottom third Ahead of 8% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.69% | 3.77% | Top third Ahead of 92% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 102.67% | 70.27% | Bottom third Ahead of 8% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.6M | $6.3M | Bottom third Ahead of 0% of peers |
| Loans to deposits Net loans and leases over total deposits. | 121.48% | 83.71% | Context |
What it means for lending operations
Its efficiency ratio of 102.67% is above the 70.27% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Sunnyside Federal Savings and Loan Association of Irvington Irvington, NY · $82M
- Maple City Savings Bank, FSB Hornell, NY · $122M
- WSB Municipal Bank Watertown, NY · $152M
- Eastbank, National Association New York, NY · $153M
Questions about United Orient Bank
How big is United Orient Bank?
United Orient Bank, established in 1981, is headquartered in New York, NY. It reported $101M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is United Orient Bank's return on assets?
-0.12% annualized in Q2 2026, against a 0.89% median for 12 NY banks with half to twice its assets, ahead of 8% of them.
What is United Orient Bank's efficiency ratio?
102.67% in Q2 2026: it spent about 103 cents in noninterest expense for each dollar of revenue. The peer median is 70.27%, and lower is better.
Is United Orient Bank growing its loans?
Net loans grew 9.5% over the year to Q2 2026, while deposits grew 1.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New York bank ranked.