UniBank is a state-chartered bank (fed member) headquartered in Lynnwood, Washington, in business for about 20 years. At the end of Q2 2026 it reported $393.0M in total assets and $322.6M in deposits, with 4 offices.
Based on its Q2 2026 filing, UniBank scores 50/100, which we describe as below average. That is higher than only 7% of 2,650 banks with $100 million – $1 billion. Among 29 banks headquartered in Washington, it ranks 23rd. Its strongest component is problem-loan coverage (91/100; 4.7%), and its lowest is earnings (10/100; -0.25%).
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 rose 16 points (34 → 50), mostly because the loan quality component improved by 41 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 51 |
| Q3 2024 | 34 |
| Q4 2024 | 17 |
| Q1 2025 | 17 |
| Q2 2025 | 34 |
| Q3 2025 | 35 |
| Q4 2025 | 35 |
| Q1 2026 | 51 |
| Q2 2026 | 50 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.22% |
| Q3 2024 | 7.22% |
| Q4 2024 | 5.60% |
| Q1 2025 | 5.98% |
| Q2 2025 | 7.18% |
| Q3 2025 | 7.32% |
| Q4 2025 | 7.22% |
| Q1 2026 | 7.18% |
| Q2 2026 | 7.31% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.27% |
| Q3 2024 | 1.70% |
| Q4 2024 | 2.79% |
| Q1 2025 | 2.78% |
| Q2 2025 | 1.76% |
| Q3 2025 | 1.77% |
| Q4 2025 | 1.78% |
| Q1 2026 | 0.56% |
| Q2 2026 | 0.54% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.16% |
| Q3 2024 | -3.28% |
| Q4 2024 | -5.40% |
| Q1 2025 | -1.70% |
| Q2 2025 | -0.56% |
| Q3 2025 | -0.45% |
| Q4 2025 | -0.47% |
| Q1 2026 | -0.13% |
| Q2 2026 | -0.25% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 50 | $393.0M | 7.31% | 0.54% | -0.25% | 83.0% |
| Q1 2026 | 51 | $401.8M | 7.18% | 0.56% | -0.13% | 79.4% |
| Q4 2025 | 35 | $408.9M | 7.22% | 1.78% | -0.47% | 83.9% |
| Q3 2025 | 35 | $394.9M | 7.32% | 1.77% | -0.45% | 86.4% |
| Q2 2025 | 34 | $409.4M | 7.18% | 1.76% | -0.56% | 87.5% |
| Q1 2025 | 17 | $441.8M | 5.98% | 2.78% | -1.70% | 93.7% |
| Q4 2024 | 17 | $522.1M | 5.60% | 2.79% | -5.40% | 87.8% |
| Q3 2024 | 34 | $569.5M | 7.22% | 1.70% | -3.28% | 87.6% |
| Q2 2024 | 51 | $572.5M | 10.22% | 1.27% | 0.16% | 97.7% |
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 Washington
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Pacific Crest BankBank Lynnwood, WA | 66 out of 100, Moderate | $318.5M | 11.1% | 0.47% | vs |
| RiverBankBank Spokane, WA | 77 out of 100, Strong | $310.2M | 11.3% | 0.31% | vs |
| Liberty BankBank Poulsbo, WA | 57 out of 100, Moderate | $206.0M | 9.4% | 0.14% | vs |
| Increase BankBank Longview, WA | 71 out of 100, Strong | $150.7M | 9.6% | 0.00% | vs |
| Portage BankBank Bellevue, WA | 44 out of 100, Below average | $116.2M | 7.5% | 1.13% | vs |
| Baker-Boyer National BankBank Walla Walla, WA | 66 out of 100, Moderate | $692.9M | 9.3% | 0.42% | vs |
Deposit insurance
Is my money safe at UniBank?
Yes. UniBank is an FDIC-insured institution (FDIC certificate #58407). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.0% of deposits ($51.6M) 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 7.31%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.30% (benchmark: 10%).
4 locations
Branches
UniBank lists 4 offices in 4 cities. Most locations:
- Bellevue, WA (1)
- Federal Way, WA (1)
- Lakewood, WA (1)
- Lynnwood, WA (1)
Identity & history
Profile
- Legal name
- UniBank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 58407
- RSSD ID
- 3487947
- Primary regulator
- FED
- Holding company
- U&i Financial Corp
- Established
- November 1, 2006
- Headquarters
- 19315 Highway 99, Lynnwood, WA 98036
- Website
- www.unibankusa.com
- Employees
- 50
Quick answers
UniBank: common questions
Is UniBank FDIC insured?
Yes. UniBank is an FDIC-insured institution (FDIC certificate #58407). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is UniBank's TellerScore?
50 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has UniBank ever failed?
There is no failure record for FDIC certificate #58407 in the FDIC failed bank list.
How many branches does UniBank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Lynnwood
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Topeka Firemen'S Credit UnionCredit union Topeka, KS | 92 out of 100, Very strong | $11.7M | 25.8% | 0.03% | vs |
| Cascade Federal Credit UnionCredit union Kent, WA | 88 out of 100, Very strong | $392.6M | 13.3% | 0.79% | vs |
| American Continental BankBank City Of Industry, CA | 87 out of 100, Very strong | $385.3M | 16.2% | 0.37% | vs |
| GBC International BankBank Los Angeles, CA | 83 out of 100, Strong | $658.5M | 15.9% | 0.26% | vs |
| Qualstar Credit UnionCredit union Bothell, WA | 80 out of 100, Strong | $939.3M | 16.0% | 1.41% | vs |
| Beal Bank USABank Las Vegas, NV | 80 out of 100, Strong | $11.0B | 21.9% | 0.78% | vs |