Unibank (FDIC #58407): Bank Stress & Real-Estate Credit Exposure

Unibank (FDIC Cert #58407): bank stress 99/100, severe, STABLE over 7 days; parent U&I FINANCIAL CORP.

Unibank (#58407) lends in 3 counties across 1 state; Unibank (#58407) reaches 172 ZIP codes: Washington 3 counties, 172 ZIPs.

Unibank (#58407) largest markets: King County, WA (178 branches, 89 ZIPs) (#58407), Pierce County, WA (60 branches, 60 ZIPs) (#58407), Snohomish County, WA (30 branches, 30 ZIPs) (#58407).

Unibank (#58407) reports $393.0 million in total assets; Unibank (#58407) equity $28.2 million (7.2% of Unibank (#58407) assets); Unibank (#58407) domestic deposits $322.6 million; Unibank (#58407) net income minus $500,000; Unibank (#58407) return on assets -0.25%; Unibank (#58407) return on equity -3.54%; Unibank (#58407) net interest income $5.3 million; Unibank (#58407) call report June 30, 2026.

Unibank (#58407) noncurrent real-estate loans: none reported; Unibank (#58407) residential -0.18%; Unibank (#58407) net charge-offs on real estate 0.56%; Unibank (#58407) residential charge-offs 0.86%.

Unibank (#58407) net interest margin 2.74% against an eight-quarter Unibank (#58407) average of 2.70% (Unibank (#58407) compression -0.05 points); Unibank (#58407) non-residential real estate 86.4% of equity; Unibank (#58407) rate-exposure score 40/100, Unibank (#58407) fixed-rate trap 40/100; Unibank (#58407) risk type credit driven; Unibank (#58407) rate regime rates elevated, Unibank (#58407) snapshot October 20, 2026.

Unibank (#58407) stress score held at 99.3 across 117 daily snapshots, June 22, 2026 to October 20, 2026.

Unibank (#58407) alerts: 3 counties; top Unibank (#58407) alert scores: Federal Way County, WA 31 (low); Lakewood County, WA 31 (low); Lynnwood County, WA 31 (low).