UniBank: how it compares with its peers
Against 1000 U.S. banks with half to twice its assets, UniBank's strongest measure in Q2 2026 is assets per employee ($7.9M vs. a $6.8M peer median). Its weakest relative measure is efficiency ratio (139.29% vs. 61.41%).
| Measure | UniBank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -0.25% | 1.29% | Bottom third Ahead of 2% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.74% | 3.91% | Bottom third Ahead of 6% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 139.29% | 61.41% | Bottom third Ahead of 0% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.9M | $6.8M | Top third Ahead of 68% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.04% | 79.89% | Context |
What it means for lending operations
Its efficiency ratio of 139.29% is above the 61.41% 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
- The Community State Bank Poteau, OK · $393M
- Iowa State Bank Clarksville, IA · $393M
- TrustTexas Bank, SSB Cuero, TX · $393M
- Great Plains State Bank Petersburg, NE · $392M
- Balboa Thrift and Loan Association Chula Vista, CA · $394M
- Farmers State Bank Center, TX · $391M
Questions about UniBank
How big is UniBank?
UniBank, established in 2006, is headquartered in Lynnwood, WA. It reported $393M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is UniBank's return on assets?
-0.25% annualized in Q2 2026, against a 1.29% median for 1000 U.S. banks with half to twice its assets, ahead of 2% of them.
What is UniBank's efficiency ratio?
139.29% in Q2 2026: it spent about 139 cents in noninterest expense for each dollar of revenue. The peer median is 61.41%, and lower is better.
Is UniBank growing its loans?
Net loans shrank 14.8% over the year to Q2 2026, while deposits shrank 10.2%.
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 U.S. 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 Washington bank ranked.