FDIC Cert #23805 · City Of Industry, California · Est. 1982

United Pacific Bank - FDIC Bank Health Profile

A community-scale look at United Pacific Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$186M
Total assets
B
Health grade · Good
0.37%
Return on assets
17.1%
Tier 1 capital

Data updated July 2026

The verdict

United Pacific Bank earns a PlainBankData health grade of B (67/100), with well-capitalized at 17.13% Tier 1, 0.37% ROA, 91% efficiency ratio.

#3,116
largest of 4,313 FDIC banks by assets
28th
percentile by asset size, nationally
17.13%
Tier 1 ratio - above the 10% well-capitalized line
12th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 23805 · CA B · 67/100

GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-B B (67/100)
  • LOWER-Q #3246/4307
  • PHOTO-FINISH First Progressive Bank · AL
  • TIER1-WELL 17.1% Tier 1
  • TEXAS-CLEAN 0.6% Texas
  • ROA-THIN 0.37% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside California: First Progressive Bank, AL (±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 Pacific Bank

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

Morgan Stanley Bank,… · UT ·…100/100Bank of Ontario · WI · near67/100Canton Co-operative… · MA · …67/100First Progressive Bank · AL …67/100Redemption Bank · UT · near67/100United Pacific Bank · CA · t…67/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around United Pacific Bank · July 2026

Call Report read for United Pacific Bank in a high-failure state

United Pacific Bank (FDIC Cert #23805) carries a PlainBankData health grade of B at 67/100, 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 #3,246 of 4,307. Tier 1 capital prints at 17.13%, clearing the 10% well-capitalized line. The Texas Ratio is 0.63%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.37%. Balance-sheet scale is $186M, 3,116th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First Progressive Bank (AL), 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 Pacific Bank

44 FAILURE resolutions in California since 2000, heavy vs the state corpus

United Pacific Bank sits in one of the heavier post-2000 FAILURE states (44 resolutions; latest year 2023). The list below is state history from the Failed Bank List, not a claim about United Pacific Bank's current Call Report.

  • FIRST REPUBLIC BANK SAN FRANCISCO, CA 2023 → JPMORGAN CHASE BANK, N.A.
  • SILICON VALLEY BANK SANTA CLARA, CA 2023 → FIRST-CITIZENS BANK & TRUST COMPANY
  • FRONTIER BANK, FSB PALM DESERT, CA 2014 → BANK OF SOUTHERN CALIFORNIA, N.A.

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

How United Pacific Bank's 67/100 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 avg77/10067/100
United Pacific Bank's composite health score
Tier 1 Capital Ratio (17.13%) 40/40
Return on Assets (ROA) (0.37%) 7/25
Texas Ratio (0.63%) 20/20
Efficiency Ratio (91.21%) 0/15

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

Balance sheet at a glance

Total Assets

$186M

Total balance-sheet footings

Total Deposits

$152M

Customer-funded liabilities

Net Loans

$135M

Outstanding loan book

Net Income

$645K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 15.73% 17.13% 18.53%
Basel III capital ratios - United Pacific Bank

Where United Pacific Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. United Pacific Bank's score of 67/100 falls in the highlighted band.

United Pacific Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

67 25th percentile higher than 25% 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%). This entry sits in this band. 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 Pacific 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 Pacific 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 Pacific Bank's $186M falls in the highlighted band.

Capital & credit buffers at United Pacific Bank

Tier 1 capital ratio
Well-capitalized 10%

17.13% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
17.13%
Texas Ratio
0.63%
Equity Capital
$32M

What these ratios mean →

Profitability metrics: United Pacific Bank

Return on Assets (ROA)
12th percentile nationally
0.37%
Return on Equity (ROE)
2.04%
Efficiency Ratio
91.21%

What these mean →

Income & expense at United Pacific Bank

$12M
Interest Income
$310K
Non-Interest Income
$6M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. United Pacific Bank reports a Texas Ratio of 0.63% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.63% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

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

Top banks in California by total assets

Largest banks headquartered in California
  1. 1
    City National Bank $98.4B

    Los Angeles, CA · Grade A

  2. 2
    East West Bank $79.7B

    Pasadena, CA · Grade A

  3. 3
    Banc of California $34.7B

    Los Angeles, CA · Grade B

  4. 4
    Axos Bank $27.2B

    San Diego, CA · Grade A

  5. 5
    Cathay Bank $24.2B

    Los Angeles, CA · Grade A

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($186M here), outside California so the neighborhood is not state containment.

Peoples Bank $186M · KY Bank of Commerce $186M · OK Mission Bank $186M · AZ Mount Vernon Bank and Trust Company $186M · IA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) United Pacific Bank (FDIC Cert #23805) - 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 Pacific Bank Call Report profile · FDIC Failed Bank List · California FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in California

All California banks →
BankAssetsGradeROA
City National BankLos Angeles $98.4B A 0.95%
East West BankPasadena $79.7B A 1.72%
Banc of CaliforniaLos Angeles $34.7B B 0.78%
Axos BankSan Diego $27.2B A 1.77%
Cathay BankLos Angeles $24.2B A 1.38%
Mechanics BankWalnut Creek $22.4B A 1.44%
Bank of HopeLos Angeles $18.5B B 0.42%
Citizens Business Bank, National AssociationOntario $15.6B A 1.39%