Headquartered in New York, New York, United Orient Bank is a state-chartered bank with $101.4M in total assets and $69.3M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1981.
Based on its Q2 2026 filing, United Orient Bank scores 60/100, which we describe as moderate. That is higher than only 19% of 2,650 banks with $100 million – $1 billion. Among 121 banks headquartered in New York, it ranks 77th. Its strongest component is problem-loan coverage (90/100; 4.8%), and its lowest is earnings (15/100; -0.12%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (61 → 60).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 63 |
| Q3 2024 | 63 |
| Q4 2024 | 63 |
| Q1 2025 | 61 |
| Q2 2025 | 61 |
| Q3 2025 | 62 |
| Q4 2025 | 61 |
| Q1 2026 | 61 |
| Q2 2026 | 60 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.89% |
| Q3 2024 | 14.15% |
| Q4 2024 | 13.90% |
| Q1 2025 | 13.34% |
| Q2 2025 | 12.95% |
| Q3 2025 | 13.08% |
| Q4 2025 | 12.97% |
| Q1 2026 | 12.81% |
| Q2 2026 | 12.53% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.94% |
| Q3 2024 | 0.96% |
| Q4 2024 | 0.93% |
| Q1 2025 | 0.89% |
| Q2 2025 | 0.81% |
| Q3 2025 | 0.79% |
| Q4 2025 | 0.85% |
| Q1 2026 | 0.83% |
| Q2 2026 | 0.80% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.17% |
| Q3 2024 | -0.22% |
| Q4 2024 | -0.22% |
| Q1 2025 | -0.27% |
| Q2 2025 | -0.14% |
| Q3 2025 | -0.16% |
| Q4 2025 | -0.17% |
| Q1 2026 | -0.13% |
| Q2 2026 | -0.12% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 60 | $101.4M | 12.53% | 0.80% | -0.12% | 121.5% |
| Q1 2026 | 61 | $103.9M | 12.81% | 0.83% | -0.13% | 114.9% |
| Q4 2025 | 61 | $100.6M | 12.97% | 0.85% | -0.17% | 119.6% |
| Q3 2025 | 62 | $99.9M | 13.08% | 0.79% | -0.16% | 117.3% |
| Q2 2025 | 61 | $101.8M | 12.95% | 0.81% | -0.14% | 112.1% |
| Q1 2025 | 61 | $102.0M | 13.34% | 0.89% | -0.27% | 113.3% |
| Q4 2024 | 63 | $96.3M | 13.90% | 0.93% | -0.22% | 120.5% |
| Q3 2024 | 63 | $91.9M | 14.15% | 0.96% | -0.22% | 127.9% |
| Q2 2024 | 63 | $94.2M | 13.89% | 0.94% | -0.17% | 133.9% |
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 New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Maple City Savings Bank, FSBBank Hornell, NY | 55 out of 100, Moderate | $121.8M | 9.5% | 1.44% | vs |
| WSB Municipal BankBank Watertown, NY | 93 out of 100, Very strong | $152.3M | 15.2% | 0.00% | vs |
| Eastbank, National AssociationBank New York, NY | 82 out of 100, Strong | $153.0M | 23.0% | 0.00% | vs |
| The Putnam County National Bank of CarmelBank Carmel, NY | 83 out of 100, Strong | $182.7M | 26.8% | 0.48% | vs |
| Bank of RichmondvilleBank Cobleskill, NY | 77 out of 100, Strong | $185.9M | 11.5% | 0.18% | vs |
| Savannah Bank National AssociationBank Savannah, NY | 66 out of 100, Moderate | $187.2M | 8.9% | 0.23% | vs |
Deposit insurance
Is my money safe at United Orient Bank?
Yes. United Orient Bank is an FDIC-insured institution (FDIC certificate #23373). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 13.6% of deposits ($9.5M) 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 12.53%, 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%).
2 locations
Branches
United Orient Bank lists 2 offices in 2 cities. Most locations:
- New York, NY (1)
- New York City, NY (1)
Identity & history
Profile
- Legal name
- United Orient Bank
- Type
- State-chartered bank
- FDIC certificate #
- 23373
- RSSD ID
- 70218
- Primary regulator
- FDIC
- Established
- April 9, 1981
- Headquarters
- 10 Chatham Sq, New York, NY 10038
- Employees
- 22
Quick answers
United Orient Bank: common questions
Is United Orient Bank FDIC insured?
Yes. United Orient Bank is an FDIC-insured institution (FDIC certificate #23373). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is United Orient Bank's TellerScore?
60 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 United Orient Bank ever failed?
There is no failure record for FDIC certificate #23373 in the FDIC failed bank list.
How many branches does United Orient Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA | 100 out of 100, Very strong | $1.4B | 63.5% | 0.00% | vs |
| Wakefern Federal Credit UnionCredit union Elizabeth, NJ | 99 out of 100, Very strong | $12.0M | 24.3% | 0.13% | vs |
| Paul Quinn Federal Credit UnionCredit union Jamaica, NY | 93 out of 100, Very strong | $358K | 26.1% | 0.00% | vs |
| B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY | 93 out of 100, Very strong | $1.0M | 34.2% | 0.00% | vs |
| Scf Westchester N. Y. Employees Federal Credit UnionCredit union White Plains, NY | 93 out of 100, Very strong | $1.5M | 23.8% | 0.18% | vs |
| NorthEast Community BankBank White Plains, NY | 90 out of 100, Very strong | $2.1B | 17.3% | 0.00% | vs |