FDIC Cert #58407 · Lynnwood, Washington · Est. 2006

UniBank - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$409M
Total assets
F
Health grade · At Risk
-0.47%
Return on assets
10.0%
Tier 1 capital

Data updated July 2026

The verdict

UniBank earns a PlainBankData health grade of F (28/100), with 9.98% Tier 1 capital, -0.47% ROA, 129% efficiency ratio.

#2,058
largest of 4,313 FDIC banks by assets
52nd
percentile by asset size, nationally
9.98%
Tier 1 ratio - below the 10% well-capitalized line
3rd
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 58407 · WA F · 28/100

GRADE-F · BOTTOM-DECILE · PHOTO-FINISH · TIER1-ADEQ · TEXAS-HEALTHY · ROA-LOSS · SIZE-MID · BOOK-FULL

  • GRADE-F F (28/100)
  • BOTTOM-DECILE #4277/4307
  • PHOTO-FINISH BayFirst National Bank · FL
  • TIER1-ADEQ 10.0% Tier 1
  • TEXAS-HEALTHY 16.3% Texas
  • ROA-LOSS -0.47% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Washington: BayFirst National Bank, FL (±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

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

Morgan Stanley Bank,… · UT ·…100/100BayFirst National Bank · FL …28/100Carver Federal Savin… · NY ·…28/100Chesterfield State B… · IL ·…28/100Grand Rivers Communi… · IL ·…28/100UniBank · WA · this bank28/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around UniBank · July 2026

Call Report read for UniBank in a high-failure state

UniBank (FDIC Cert #58407) carries a PlainBankData health grade of F at 28/100, 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 #4,277 of 4,307. Tier 1 capital prints at 9.98%, missing the 10% well-capitalized line. The Texas Ratio is 16.30%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.47%. Balance-sheet scale is $409M, 2,058th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is BayFirst National Bank (FL), 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

19 FAILURE resolutions in Washington since 2000, heavy vs the state corpus

UniBank sits in one of the heavier post-2000 FAILURE states (19 resolutions; latest year 2015). The list below is state history from the Failed Bank List, not a claim about UniBank's current Call Report.

  • HOMETOWN NATIONAL BANK LONGVIEW, WA 2015 → TWIN CITY BANK
  • WESTSIDE COMMUNITY BANK UNIVERSITY PLACE, WA 2013 → SUNWEST BANK
  • BANK OF WHITMAN COLFAX, WA 2011 → COLUMBIA STATE BANK

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

How UniBank's 28/100 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 avg77/10028/100
UniBank's composite health score
Tier 1 Capital Ratio (9.98%) 18/40
Return on Assets (ROA) (-0.47%) 0/25
Texas Ratio (16.30%) 10/20
Efficiency Ratio (129.47%) 0/15

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

Balance sheet at a glance

Total Assets

$409M

Total balance-sheet footings

Total Deposits

$338M

Customer-funded liabilities

Net Loans

$283M

Outstanding loan book

Net Income

$-2,063K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.58% 9.98% 11.38%
Basel III capital ratios - UniBank

Where UniBank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. UniBank's score of 28/100 falls in the highlighted band.

UniBank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

28 1st percentile higher than 1% 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%). This entry sits in this band. 30–40: 36 FDIC-insured banks (1%). Above this entry. 40–50: 98 FDIC-insured banks (2%). Above this entry. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. UniBank 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'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's $409M falls in the highlighted band.

Capital & credit buffers at UniBank

Tier 1 capital ratio
Well-capitalized 10%

9.98% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.98%
Texas Ratio
16.30%
Equity Capital
$29M

What these ratios mean →

Profitability metrics: UniBank

Return on Assets (ROA)
3rd percentile nationally
-0.47%
Return on Equity (ROE)
-7.29%
Efficiency Ratio
129.47%

What these mean →

Income & expense: loss period at UniBank

$24M
Interest Income
$714K
Non-Interest Income
$14M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. UniBank reports a Texas Ratio of 16.30% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

16.30% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at UniBank

UniBank's grade of F reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-2,063K for the period, a loss that, if sustained, erodes the equity cushion. Its Tier 1 capital ratio of 9.98% is below the 10% "well-capitalized" benchmark.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at UniBank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View UniBank on FDIC BankFind →

Top banks in Washington by total assets

Largest banks headquartered in Washington
  1. 1
    WaFd Bank $27.3B

    Seattle, WA · Grade B

  2. 2
    Banner Bank $16.3B

    Walla Walla, WA · Grade A

  3. 3
    Washington Trust Bank $10.7B

    Spokane, WA · Grade B

  4. 4
    Heritage Bank $7.0B

    Olympia, WA · Grade A

  5. 5
    Coastal Community Bank $4.7B

    Everett, WA · Grade A

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($409M here), outside Washington so the neighborhood is not state containment.

Waterfall Bank $409M · FL Bank of Franklin County $409M · MO The Bank of Brodhead $409M · WI North Valley Bank $409M · OH

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) UniBank (FDIC Cert #58407) - 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 Call Report profile · FDIC Failed Bank List · Washington FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Washington

All Washington banks →
BankAssetsGradeROA
WaFd BankSeattle $27.3B B 0.91%
Banner BankWalla Walla $16.3B A 1.24%
Washington Trust BankSpokane $10.7B B 0.89%
Heritage BankOlympia $7.0B A 1.07%
Coastal Community BankEverett $4.7B A 1.11%
1st Security Bank of WashingtonMountlake Terrace $3.2B A 1.14%
Peoples BankBellingham $2.5B B 1.00%
Cashmere Valley BankCashmere $2.3B A 1.33%