United Pacific Bank: how it compares with its peers
Against 23 CA banks with half to twice its assets, United Pacific Bank's strongest measure in Q2 2026 is net interest margin (4.11% vs. a 3.95% peer median). Its weakest relative measure is assets per employee ($5.8M vs. $7.2M).
| Measure | United Pacific Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.40% | 0.58% | Middle third Ahead of 48% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.11% | 3.95% | Middle third Ahead of 57% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 85.90% | 86.88% | Middle third Ahead of 52% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.8M | $7.2M | Bottom third Ahead of 17% of peers |
| Loans to deposits Net loans and leases over total deposits. | 96.92% | 95.11% | Context |
What it means for lending operations
Its efficiency ratio of 85.90% is better than the 86.88% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Beach Cities Commercial Bank Irvine, CA · $189M
- Hatch Bank San Marcos, CA · $177M
- BEACON BUSINESS BANK, NATIONAL ASSOCIATION San Francisco, CA · $164M
- First Federal Savings and Loan Association of San Rafael San Rafael, CA · $222M
- Icon Business Bank Riverside, CA · $156M
- Neighborhood National Bank El Cajon, CA · $228M
Questions about United Pacific Bank
How big is United Pacific Bank?
United Pacific Bank, established in 1982, is headquartered in City Of Industry, CA. It reported $191M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is United Pacific Bank's return on assets?
0.40% annualized in Q2 2026, against a 0.58% median for 23 CA banks with half to twice its assets, ahead of 48% of them.
What is United Pacific Bank's efficiency ratio?
85.90% in Q2 2026: it spent about 86 cents in noninterest expense for each dollar of revenue. The peer median is 86.88%, and lower is better.
Is United Pacific Bank growing its loans?
Net loans grew 19.3% over the year to Q2 2026, while deposits grew 10.0%.
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 CA 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 California bank ranked.