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United Orient Bank
New York, NY · FDIC Certificate #23373 · Chartered 04/0
Total assets
$101.41M
Total deposits
$69.28M
Total equity
$13.06M
Net loans
$84.16M
Branches (offices)
2
Net income (YTD)
-$62.00K
Rank: #3,668 of 4,213 U.S. banks by assets · #107 of 115 in New York. Assets changed -0.4% and deposits 1.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -0.12% |
| Return on equity | -0.95% |
| Net interest margin (YTD) | 4.69% |
| Equity to assets | 12.88% |
| Tier 1 leverage ratio | 12.53% |
| Uninsured deposits (share of deposits) | 13.6% |
| Noncurrent loans (share of loans) | 0.80% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 121.5% |
| Real estate loans (share of loans) | 94.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $79.77M | 94.8% | |
| Commercial & industrial | $5.56M | 6.6% | |
| Consumer / individual | $13.00K | 0.0% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $105.02M | $84.26M | -$128.00K | $12.71M |
| Jun 2023 | $100.15M | $63.91M | $195.00K | $13.02M |
| Jun 2024 | $94.16M | $57.06M | -$84.00K | $13.31M |
| Jun 2025 | $101.83M | $68.57M | -$72.00K | $13.19M |
| Jun 2026 | $101.41M | $69.28M | -$62.00K | $13.06M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $69.28M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $69.28M.
Similar-sized banks
Black River Country Bank ($101.76M) · The Kansas State Bank Overbrook Kansas ($101.21M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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