UniBank for Savings: how it compares with its peers
Against 29 MA banks with half to twice its assets, UniBank for Savings's strongest measure in Q2 2026 is return on assets (1.06% vs. a 0.72% peer median). Its weakest relative measure is assets per employee ($10.9M vs. $10.6M).
| Measure | UniBank for Savings | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.06% | 0.72% | Top third Ahead of 93% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.10% | 2.89% | Middle third Ahead of 66% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.06% | 69.99% | Top third Ahead of 86% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.9M | $10.6M | Middle third Ahead of 55% of peers |
| Loans to deposits Net loans and leases over total deposits. | 82.44% | 98.14% | Context |
What it means for lending operations
Its efficiency ratio of 58.06% is better than the 69.99% 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
- Bristol County Savings Bank Taunton, MA · $3.26B
- BayCoast Bank Swansea, MA · $2.86B
- Northern Bank & Trust Company Woburn, MA · $3.38B
- Avidia Bank Hudson, MA · $2.77B
- Westfield Bank Westfield, MA · $2.73B
Questions about UniBank for Savings
How big is UniBank for Savings?
UniBank for Savings, established in 1870, is headquartered in Whitinsville, MA. It reported $3.11B in total assets in its Q2 2026 FDIC call report and operates 15 offices.
What is UniBank for Savings's return on assets?
1.06% annualized in Q2 2026, against a 0.72% median for 29 MA banks with half to twice its assets, ahead of 93% of them.
What is UniBank for Savings's efficiency ratio?
58.06% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 69.99%, and lower is better.
Is UniBank for Savings growing its loans?
Net loans grew 3.1% over the year to Q2 2026, while deposits grew 4.4%.
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 MA 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 Massachusetts bank ranked.