Total Assets
$101M
Total balance-sheet footings
FDIC Cert #23373 · New York, New York · Est. 1981
United Orient Bank - 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.
- $101M
- Total assets
- C
- Health grade · Fair
- -0.17%
- Return on assets
- 13.0%
- Tier 1 capital
Data updated July 2026
The verdict
United Orient Bank earns a PlainBankData health grade of C (55/100), with well-capitalized at 12.97% Tier 1, -0.17% ROA, 104% efficiency ratio.
- #3,737
- largest of 4,313 FDIC banks by assets
- 13th
- percentile by asset size, nationally
- 12.97%
- Tier 1 ratio - above the 10% well-capitalized line
- 4th
- 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.
How United Orient Bank's 55/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
United Orient Bank's composite health score
Tier 1 Capital Ratio (12.97%) 35/40
Return on Assets (ROA) (-0.17%) 0/25
Texas Ratio (4.94%) 20/20
Efficiency Ratio (103.89%) 0/15
55 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$68M
Customer-funded liabilities
Net Loans
$81M
Outstanding loan book
Net Income
$-170K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where United Orient Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. United Orient Bank's score of 55/100 falls in the highlighted band.
United Orient Bank'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). United Orient Bank's $101M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.97% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.97%
Texas Ratio
4.94%
Equity Capital
$13M
Profitability metrics
Return on Assets (ROA)
4th percentile nationally
-0.17%
Return on Equity (ROE)
-1.29%
Efficiency Ratio
103.89%
What the numbers say about United Orient Bank
United Orient Bank is an FDIC-insured institution (Certificate #23373) headquartered in New York, New York, established in 1981. It holds $101M in total assets - 3,737th of 4,313 FDIC-insured banks, $68M in customer deposits, and $81M in net loans. Capital-wise, the Tier 1 ratio sits at 12.97%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 4.94%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of C (55 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
United Orient Bank is a community-scale institution -- 112th of 120 FDIC-insured banks headquartered in New York by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$6M
Interest Income
$196K
Non-Interest Income
$5M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. United Orient Bank reports a Texas Ratio of 4.94% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
4.94% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at United Orient Bank
United Orient Bank's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-170K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at United Orient Bank 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.
Top banks in New York by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) United Orient Bank (FDIC Cert #23373) - 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.
Other banks in New York
All New York banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Goldman Sachs Bank USANew York | $645.0B | A | 1.42% |
| The Bank of New York MellonNew York | $381.0B | A | 1.31% |
| Morgan Stanley Private Bank, National AssociationPurchase | $254.7B | A | 1.10% |
| Manufacturers and Traders Trust CompanyBuffalo | $212.9B | A | 1.40% |
| Flagstar Bank, National AssociationHicksville | $87.5B | D | -0.14% |
| Bank of ChinaNew York | $61.9B | F | 0.00% |
| Deutsche Bank Trust Company AmericasNew York | $43.0B | A | 1.86% |
| State Bank of IndiaNew York | $22.6B | F | 0.00% |
Frequently asked questions
What is United Orient Bank's health grade?▼
United Orient Bank receives a health grade of C (55/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is United Orient Bank?▼
United Orient Bank holds $101M in total assets and $68M in deposits, ranking 3,737th of 4,313 FDIC-insured banks by asset size. It is headquartered in New York, New York.
Is my money safe at United Orient Bank?▼
Yes, deposits at United Orient Bank (Certificate #23373) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is United Orient Bank's Tier 1 Capital Ratio?▼
United Orient Bank has a Tier 1 Capital Ratio of 12.97%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for United Orient Bank?▼
United Orient Bank has a Texas Ratio of 4.94%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is United Orient Bank?▼
United Orient Bank has an Efficiency Ratio of 103.89%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read United Orient Bank's profile as a depositor or analyst.
- United Orient Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare United Orient Bank against other New York banks before moving funds. New York banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.