United Pacific Bank (FDIC certificate #23805) is based in City Of Industry, California. Its Q2 2026 call report shows $191.0M in total assets and $156.8M in deposits and 2 offices.
Based on its Q2 2026 filing, United Pacific Bank scores 57/100, which we describe as moderate. That is higher than only 14% of 2,650 banks with $100 million – $1 billion. Among 116 banks headquartered in California, it ranks 94th. Its strongest component is capital cushion (100/100; 17.39%), and its lowest is loan quality (16/100; 2.51%).
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 24 points (81 → 57), mostly because the loan quality component weakened by 84 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 95 |
| Q3 2024 | 93 |
| Q4 2024 | 88 |
| Q1 2025 | 79 |
| Q2 2025 | 81 |
| Q3 2025 | 80 |
| Q4 2025 | 80 |
| Q1 2026 | 80 |
| Q2 2026 | 57 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 20.09% |
| Q3 2024 | 20.14% |
| Q4 2024 | 20.16% |
| Q1 2025 | 19.43% |
| Q2 2025 | 18.45% |
| Q3 2025 | 17.66% |
| Q4 2025 | 17.13% |
| Q1 2026 | 17.30% |
| Q2 2026 | 17.39% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.16% |
| Q4 2025 | 0.16% |
| Q1 2026 | 0.15% |
| Q2 2026 | 2.51% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.24% |
| Q3 2024 | 1.79% |
| Q4 2024 | 1.34% |
| Q1 2025 | 0.18% |
| Q2 2025 | 0.34% |
| Q3 2025 | 0.40% |
| Q4 2025 | 0.37% |
| Q1 2026 | 0.35% |
| Q2 2026 | 0.40% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 57 | $191.0M | 17.39% | 2.51% | 0.40% | 96.9% |
| Q1 2026 | 80 | $187.1M | 17.30% | 0.15% | 0.35% | 89.4% |
| Q4 2025 | 80 | $186.0M | 17.13% | 0.16% | 0.37% | 89.0% |
| Q3 2025 | 80 | $186.8M | 17.66% | 0.16% | 0.40% | 89.9% |
| Q2 2025 | 81 | $176.5M | 18.45% | 0.00% | 0.34% | 89.4% |
| Q1 2025 | 79 | $164.1M | 19.43% | 0.00% | 0.18% | 95.3% |
| Q4 2024 | 88 | $160.4M | 20.16% | 0.00% | 1.34% | 95.9% |
| Q3 2024 | 93 | $155.4M | 20.14% | 0.00% | 1.79% | 94.5% |
| Q2 2024 | 95 | $155.6M | 20.09% | 0.00% | 2.24% | 92.0% |
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 California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Beach Cities Commercial BankBank Irvine, CA | 58 out of 100, Moderate | $188.9M | 9.8% | 0.00% | vs |
| Hatch BankBank San Marcos, CA | 78 out of 100, Strong | $177.5M | 21.5% | 0.10% | vs |
| Beacon Business Bank, National AssociationBank San Francisco, CA | 69 out of 100, Moderate | $164.4M | 11.6% | 0.00% | vs |
| First Federal Savings and Loan Association of San RafaelBank San Rafael, CA | 76 out of 100, Strong | $222.1M | 18.8% | 0.00% | vs |
| Icon Business BankBank Riverside, CA | 57 out of 100, Moderate | $155.5M | 11.9% | 0.22% | vs |
| Neighborhood National BankBank El Cajon, CA | 65 out of 100, Moderate | $228.0M | 11.6% | 0.68% | vs |
Deposit insurance
Is my money safe at United Pacific Bank?
Yes. United Pacific Bank is an FDIC-insured institution (FDIC certificate #23805). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 26.6% of deposits ($41.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 17.39%, 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 Pacific Bank lists 2 offices in 2 cities. Most locations:
- City Of Industry, CA (1)
- Montery Park, CA (1)
Identity & history
Profile
- Legal name
- United Pacific Bank
- Type
- State-chartered bank
- FDIC certificate #
- 23805
- RSSD ID
- 609467
- Primary regulator
- FDIC
- Established
- May 11, 1982
- Headquarters
- 1630 S Azusa Ave, City Of Industry, CA 91748
- Website
- www.upbnet.com
- Employees
- 33
Quick answers
United Pacific Bank: common questions
Is United Pacific Bank FDIC insured?
Yes. United Pacific Bank is an FDIC-insured institution (FDIC certificate #23805). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is United Pacific Bank's TellerScore?
57 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 Pacific Bank ever failed?
There is no failure record for FDIC certificate #23805 in the FDIC failed bank list.
How many branches does United Pacific Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near City Of Industry
| 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 |
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| Long Beach Firemen S Credit UnionCredit union Long Beach, CA | 91 out of 100, Very strong | $201.5M | 29.4% | 0.02% | vs |
| Santa Ana Federal Credit UnionCredit union Santa Ana, CA | 90 out of 100, Very strong | $111.6M | 13.5% | 0.06% | vs |
| Asian Pacific National BankBank San Gabriel, CA | 89 out of 100, Very strong | $56.9M | 20.1% | 0.00% | vs |
| California International Bank, N.A.Bank Westminster, CA | 89 out of 100, Very strong | $120.9M | 13.5% | 0.00% | vs |