Oneunited Bank (FDIC #23966): Bank Stress & Real-Estate Credit Exposure

Oneunited Bank (FDIC Cert #23966): bank stress 92/100, severe, STABLE over 7 days.

Oneunited Bank (#23966) lends in 3 counties across 3 states; Oneunited Bank (#23966) reaches 424 ZIP codes: California 1 county, 304 ZIPs; Florida 1 county, 81 ZIPs; Massachusetts 1 county, 39 ZIPs.

Oneunited Bank (#23966) largest markets: Los Angeles County, CA (608 branches, 304 ZIPs) (#23966), Miami Dade County, FL (81 branches, 81 ZIPs) (#23966), Suffolk County, MA (78 branches, 39 ZIPs) (#23966).

Oneunited Bank (#23966) reports $637.9 million in total assets; Oneunited Bank (#23966) equity $59.2 million (9.3% of Oneunited Bank (#23966) assets); Oneunited Bank (#23966) domestic deposits $511.7 million; Oneunited Bank (#23966) net income minus $2.7 million; Oneunited Bank (#23966) return on assets -0.80%; Oneunited Bank (#23966) return on equity -8.88%; Oneunited Bank (#23966) net interest income $6.9 million; Oneunited Bank (#23966) call report June 30, 2026.

Oneunited Bank (#23966) noncurrent real-estate loans: none reported; Oneunited Bank (#23966) net charge-offs on real estate 0.42%; Oneunited Bank (#23966) multifamily charge-offs 0.38%.

Oneunited Bank (#23966) net interest margin 2.18% against an eight-quarter Oneunited Bank (#23966) average of 2.38% (Oneunited Bank (#23966) compression 0.21 points); Oneunited Bank (#23966) rate-exposure score 40/100, Oneunited Bank (#23966) fixed-rate trap 40/100; Oneunited Bank (#23966) risk type credit driven; Oneunited Bank (#23966) rate regime rates elevated, Oneunited Bank (#23966) snapshot October 19, 2026.

Oneunited Bank (#23966) stress score moved from 89 on June 22, 2026 to 91.8 on October 19, 2026; Oneunited Bank (#23966) ranged 89 to 91.8 over 116 snapshots.

Oneunited Bank (#23966) alerts: 3 counties; top Oneunited Bank (#23966) alert scores: Dorchester County, MA 29 (low); Los Angeles County, MA 29 (low); Miami County, MA 29 (low).