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United Pacific Bank
City Of Industry, CA · FDIC Certificate #23805 · Chartered 05/1
Total assets
$191.04M
Total deposits
$156.80M
Total equity
$32.27M
Net loans
$151.97M
Branches (offices)
2
Net income (YTD)
$374.00K
Rank: #3,039 of 4,213 U.S. banks by assets · #102 of 115 in California. Assets changed 8.2% and deposits 10.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.40% |
| Return on equity | 2.33% |
| Net interest margin (YTD) | 4.11% |
| Equity to assets | 16.89% |
| Tier 1 leverage ratio | 17.39% |
| Uninsured deposits (share of deposits) | 26.6% |
| Noncurrent loans (share of loans) | 2.51% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 96.9% |
| Real estate loans (share of loans) | 98.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $149.06M | 98.1% | |
| Commercial & industrial | $5.43M | 3.6% | |
| Consumer / individual | $0 | 0.0% | |
| Construction & development | $1.29M | 0.9% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $161.35M | $131.47M | $440.00K | $27.20M |
| Jun 2023 | $153.14M | $119.88M | $724.00K | $28.52M |
| Jun 2024 | $155.65M | $121.00M | $1.73M | $30.92M |
| Jun 2025 | $176.48M | $142.60M | $288.00K | $31.57M |
| Jun 2026 | $191.04M | $156.80M | $374.00K | $32.27M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $156.80M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $156.80M.
Similar-sized banks
Pioneer Community Bank, Inc. ($191.14M) · The Haverford Trust Company ($190.98M)
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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