OneUnited Bank (FDIC certificate #23966) is based in Boston, Massachusetts. Its Q2 2026 call report shows $637.9M in total assets and $511.7M in deposits and 5 offices across 3 states.
Based on its Q2 2026 filing, OneUnited Bank scores 59/100, which we describe as moderate. That is higher than only 17% of 2,650 banks with $100 million – $1 billion. Among 92 banks headquartered in Massachusetts, it ranks 68th. Its strongest component is problem-loan coverage (94/100; 2.9%), and its lowest is earnings (0/100; -0.80%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 12 points (71 → 59), mostly because the earnings component weakened by 28 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 70 |
| Q4 2024 | 73 |
| Q1 2025 | 71 |
| Q2 2025 | 71 |
| Q3 2025 | 73 |
| Q4 2025 | 69 |
| Q1 2026 | 62 |
| Q2 2026 | 59 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.78% |
| Q3 2024 | 10.95% |
| Q4 2024 | 11.39% |
| Q1 2025 | 11.12% |
| Q2 2025 | 11.08% |
| Q3 2025 | 11.17% |
| Q4 2025 | 10.90% |
| Q1 2026 | 10.83% |
| Q2 2026 | 10.43% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.59% |
| Q3 2024 | 0.13% |
| Q4 2024 | 0.03% |
| Q1 2025 | 0.01% |
| Q2 2025 | 0.04% |
| Q3 2025 | 0.04% |
| Q4 2025 | 0.15% |
| Q1 2026 | 0.19% |
| Q2 2026 | 0.42% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.41% |
| Q3 2024 | 0.37% |
| Q4 2024 | 0.34% |
| Q1 2025 | 0.26% |
| Q2 2025 | 0.20% |
| Q3 2025 | 0.35% |
| Q4 2025 | 0.21% |
| Q1 2026 | -1.04% |
| Q2 2026 | -0.80% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 59 | $637.9M | 10.43% | 0.42% | -0.80% | 79.7% |
| Q1 2026 | 62 | $609.0M | 10.83% | 0.19% | -1.04% | 83.8% |
| Q4 2025 | 69 | $761.7M | 10.90% | 0.15% | 0.21% | 77.7% |
| Q3 2025 | 73 | $622.4M | 11.17% | 0.04% | 0.35% | 76.8% |
| Q2 2025 | 71 | $606.8M | 11.08% | 0.04% | 0.20% | 78.6% |
| Q1 2025 | 71 | $606.6M | 11.12% | 0.01% | 0.26% | 79.1% |
| Q4 2024 | 73 | $756.4M | 11.39% | 0.03% | 0.34% | 79.6% |
| Q3 2024 | 70 | $572.7M | 10.95% | 0.13% | 0.37% | 82.7% |
| Q2 2024 | 65 | $614.2M | 10.78% | 0.59% | 0.41% | 84.4% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Massachusetts
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Haverhill BankBank Haverhill, MA | 77 out of 100, Strong | $636.8M | 11.2% | 0.14% | vs |
| Walpole Co-operative BankBank Walpole, MA | 83 out of 100, Strong | $646.5M | 18.8% | 0.11% | vs |
| Middlesex Federal Savings, F.A.Bank Somerville, MA | 65 out of 100, Moderate | $654.4M | 10.0% | 0.04% | vs |
| Lee BankBank Lee, MA | 64 out of 100, Moderate | $591.2M | 9.6% | 0.52% | vs |
| Bay State Savings BankBank Worcester, MA | 57 out of 100, Moderate | $580.3M | 8.8% | 0.47% | vs |
| Eagle BankBank Everett, MA | 65 out of 100, Moderate | $709.0M | 10.6% | 0.04% | vs |
Deposit insurance
Is my money safe at OneUnited Bank?
Yes. OneUnited Bank is an FDIC-insured institution (FDIC certificate #23966). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 15.5% of deposits ($79.5M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.43%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
5 locations
Branches
OneUnited Bank lists 5 offices in 5 cities across 3 states. Most locations:
- Boston, MA (1)
- Compton, CA (1)
- Dorchester, MA (1)
- Los Angeles, CA (1)
- Miami, FL (1)
Identity & history
Profile
- Legal name
- OneUnited Bank
- Former names
- The Boston Bank of Commerce
- Type
- State-chartered bank
- FDIC certificate #
- 23966
- RSSD ID
- 935308
- Primary regulator
- FDIC
- Established
- August 2, 1982
- Headquarters
- 185 Devonshire St, Boston, MA 02110
- Website
- www.oneunited.com
- Employees
- 102
Quick answers
OneUnited Bank: common questions
Is OneUnited Bank FDIC insured?
Yes. OneUnited Bank is an FDIC-insured institution (FDIC certificate #23966). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is OneUnited Bank's TellerScore?
59 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has OneUnited Bank ever failed?
There is no failure record for FDIC certificate #23966 in the FDIC failed bank list.
How many branches does OneUnited Bank have?
5 offices as of the latest FDIC data, in 3 states.
Nearby
Highest-scoring banks and credit unions with branches near Boston
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Alpha Credit UnionCredit union Boston, MA | 97 out of 100, Very strong | $35.1M | 18.8% | 0.14% | vs |
| Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA | 97 out of 100, Very strong | $10.2M | 24.8% | 0.12% | vs |
| Somerville Mass Firefighters Federal Credit UnionCredit union Somerville, MA | 92 out of 100, Very strong | $7.4M | 19.6% | 0.00% | vs |
| Cambridge Firefighters Federal Credit UnionCredit union Cambridge, MA | 92 out of 100, Very strong | $14.2M | 25.8% | 0.27% | vs |
| Watertown Municipal Credit UnionCredit union Watertown, MA | 91 out of 100, Very strong | $9.7M | 36.9% | 0.00% | vs |
| Danvers Municipal Federal Credit UnionCredit union Danvers, MA | 91 out of 100, Very strong | $8.2M | 39.0% | 0.00% | vs |