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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 23373 · NY C · 55/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-MID · BOOK-FULL

  • GRADE-C C (55/100)
  • BOTTOM-DECILE #4052/4307
  • PHOTO-FINISH OneUnited Bank · MA
  • TIER1-WELL 13.0% Tier 1
  • TEXAS-CLEAN 4.9% Texas
  • ROA-LOSS -0.17% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside New York: OneUnited Bank, MA (±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 United Orient Bank

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

Morgan Stanley Bank,… · UT ·…100/100Community Bank · OK · near55/100Intercredit Bank, Na… · FL ·…55/100Montecito Bank & Trust · CA …55/100OneUnited Bank · MA · near55/100United Orient Bank · NY · th…55/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around United Orient Bank · July 2026

What United Orient Bank's Call Report plate shows

United Orient Bank (FDIC Cert #23373) carries a PlainBankData health grade of C at 55/100, 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 #4,052 of 4,307. Tier 1 capital prints at 12.97%, clearing the 10% well-capitalized line. The Texas Ratio is 4.94%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.17%. Balance-sheet scale is $101M, 3,737th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is OneUnited Bank (MA), 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 United Orient Bank

6 FAILURE resolutions in New York since 2000 (5 since 2008)

United Orient Bank's home state sits in the middle band of post-2000 FAILURE counts (6; 5 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; United Orient Bank remains an active FDIC-insured reporter.

  • SIGNATURE BANK NEW YORK, NY 2023 → FLAGSTAR BANK, N.A.
  • USA BANK PORT CHESTER, NY 2010 → NEW CENTURY BANK
  • THE PARK AVENUE BANK NEW YORK, NY 2010 → VALLEY NATIONAL BANK

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

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.

0/100100/100National avg77/10055/100
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 Assets

$101M

Total balance-sheet footings

Total Deposits

$68M

Customer-funded liabilities

Net Loans

$81M

Outstanding loan book

Net Income

$-170K

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.) 11.57% 12.97% 14.37%
Basel III capital ratios - United Orient Bank

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

55 6th percentile higher than 6% 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%). This entry sits in this band. 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. United Orient Bank 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

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 ratios for United Orient Bank

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

What these ratios mean →

Profitability metrics: United Orient Bank

Return on Assets (ROA)
4th percentile nationally
-0.17%
Return on Equity (ROE)
-1.29%
Efficiency Ratio
103.89%

What these mean →

Income & expense: loss period at United Orient Bank

$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.

FDIC Failed Bank List → View United Orient Bank on FDIC BankFind →

Top banks in New York by total assets

Largest banks headquartered in New York
  1. 1
    Goldman Sachs Bank USA $645.0B

    New York, NY · Grade A

  2. 2
    The Bank of New York Mellon $381.0B

    New York, NY · Grade A

  3. 3
    Morgan Stanley Private Bank $254.7B

    Purchase, NY · Grade A

  4. 4
    Manufacturers and Traders Trust Compa… $212.9B

    Buffalo, NY · Grade A

  5. 5
    Flagstar Bank $87.5B

    Hicksville, NY · Grade D

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($101M here), outside New York so the neighborhood is not state containment.

The Gerber State Bank $101M · IL Warsaw Federal Savings and Loan Assoc… $101M · OH The Farmers & Merchants Bank $100M · AL Bank419 $101M · OH

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.

United Orient Bank Call Report profile · FDIC Failed Bank List · New York FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in New York

All New York banks →
BankAssetsGradeROA
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%