FDIC Cert #90290 · Whitinsville, Massachusetts · Est. 1870

UniBank for Savings - FDIC Bank Health Profile

A community-scale look at UniBank for Savings's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$2.7B
Total assets
B
Health grade · Good
0.81%
Return on assets
13.4%
Tier 1 capital

Data updated July 2026

The verdict

UniBank for Savings earns a PlainBankData health grade of B (73/100), with well-capitalized at 13.39% Tier 1, 0.81% ROA, 63% efficiency ratio.

#466
largest of 4,313 FDIC banks by assets
89th
percentile by asset size, nationally
13.39%
Tier 1 ratio - above the 10% well-capitalized line
30th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 90290 · MA B · 73/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-REGIONAL · BOOK-FULL

  • GRADE-B B (73/100)
  • MID-PACK #2704/4307
  • PHOTO-FINISH Moultrie Bank & Trust · GA
  • TIER1-WELL 13.4% Tier 1
  • TEXAS-CLEAN 6.4% Texas
  • ROA-PAR 0.81% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Massachusetts: Moultrie Bank & Trust, GA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around UniBank for Savings

Lowest and highest poles plus nearest scored peers outside Massachusetts, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Founders Bank · DC · near73/100Great Nations Bank · OK · ne…73/100Lakeside Bank · LA · near73/100Moultrie Bank & Trust · GA ·…73/100UniBank for Savings · MA · t…73/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around UniBank for Savings · July 2026

Plate reading for UniBank for Savings where failures stay rare

UniBank for Savings (FDIC Cert #90290) carries a PlainBankData health grade of B at 73/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,704 of 4,307. Tier 1 capital prints at 13.39%, clearing the 10% well-capitalized line. The Texas Ratio is 6.35%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.81%. Balance-sheet scale is $2.7B, 466th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Moultrie Bank & Trust (GA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around UniBank for Savings

Only 1 FAILURE resolution in Massachusetts since 2000

UniBank for Savings is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (1 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • BUTLER BANK LOWELL, MA 2010 → PEOPLE'S UNITED BANK
  • COMMERCIAL BANK AND TRUST COMPANY LOWELL, MA 1994 → MEDFORD SAVINGS BANK
  • LUDLOW SAVINGS BANK LUDLOW, MA 1994 → ALBANY SAVINGS BANK FSB

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Massachusetts banks.

How UniBank for Savings's 73/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10073/100
UniBank for Savings's composite health score
Tier 1 Capital Ratio (13.39%) 35/40
Return on Assets (ROA) (0.81%) 14/25
Texas Ratio (6.35%) 16/20
Efficiency Ratio (62.93%) 8/15

73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$2.7B

Total balance-sheet footings

Total Deposits

$2.1B

Customer-funded liabilities

Net Loans

$2.1B

Outstanding loan book

Net Income

$22M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.99% 13.39% 14.79%
Basel III capital ratios - UniBank for Savings

Where UniBank for Savings ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. UniBank for Savings's score of 73/100 falls in the highlighted band.

UniBank for Savings: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

73 37th percentile higher than 37% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. UniBank for Savings 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

UniBank for Savings's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). UniBank for Savings's $2.7B falls in the highlighted band.

Safety metrics: UniBank for Savings

Tier 1 capital ratio
Well-capitalized 10%

13.39% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.39%
Texas Ratio
6.35%
Equity Capital
$221M

What these ratios mean →

Profitability metrics: UniBank for Savings

Return on Assets (ROA)
30th percentile nationally
0.81%
Return on Equity (ROE)
10.81%
Efficiency Ratio
62.93%

What these mean →

Income & expense at UniBank for Savings

$122M
Interest Income
$16M
Non-Interest Income
$59M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. UniBank for Savings reports a Texas Ratio of 6.35% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

6.35% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View UniBank for Savings on FDIC BankFind →

Top banks in Massachusetts by total assets

Largest banks headquartered in Massachusetts
  1. 1
    State Street Bank and Trust Company $360.7B

    Boston, MA · Grade A

  2. 2
    Eastern Bank $30.6B

    Boston, MA · Grade B

  3. 3
    Rockland Trust Company $24.9B

    Rockland, MA · Grade A

  4. 4
    Beacon Bank and Trust $23.2B

    Brookline, MA · Grade B

  5. 5
    Salem Five Cents Savings Bank $8.5B

    Salem, MA · Grade A

Top 5 banks in Massachusetts ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($2.7B here), outside Massachusetts so the neighborhood is not state containment.

Ion Bank $2.7B · CT Habib American Bank $2.7B · NY Home Federal Bank of Tennessee $2.7B · TN Pinnacle Bank $2.7B · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) UniBank for Savings (FDIC Cert #90290) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

UniBank for Savings Call Report profile · FDIC Failed Bank List · Massachusetts FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Massachusetts

All Massachusetts banks →
BankAssetsGradeROA
State Street Bank and Trust CompanyBoston $360.7B A 0.83%
Eastern BankBoston $30.6B B 0.39%
Rockland Trust CompanyRockland $24.9B A 1.03%
Beacon Bank and TrustBrookline $23.2B B 0.63%
Salem Five Cents Savings BankSalem $8.5B A 0.89%
Cambridge Savings BankCambridge $6.9B B 0.97%
Needham BankNeedham $6.9B B 0.90%
Middlesex Savings BankNatick $6.2B B 0.54%