BlastPoint's Banking Scorecard
United Orient Bank
Micro
Specialty: Commercial
NY
FDIC cert 23373
Designations: ✓ Community bank
New York, NY
2498
banks in Micro tier nationally
37 in NY
View Micro leaderboard (NY) →
United Orient Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.25% below tier
- - Efficiency Ratio 36.16% above tier
- - Loan-to-Deposit Ratio 45.12% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$100.6M
+4.5% YoY
+0.8% QoQ
|
-$116.9M |
$217.5M
+2.3% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
23% |
| Total Loans ? |
$81.3M
+7.8% YoY
+3.6% QoQ
|
-$57.8M |
$139.2M
+2.8% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
35% |
| Total Deposits ? |
$68.0M
+8.5% YoY
+1.6% QoQ
|
-$115.7M |
$183.7M
+1.8% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
17% |
| Return on Assets ? |
-0.17%
+22.8% YoY
-8.8% QoQ
|
-1.25% |
1.08%
+14.7% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 5% in tier |
| Net Interest Margin ? |
4.69%
-5.7% YoY
-0.2% QoQ
|
+0.83% |
3.85%
+6.6% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
84% |
| Efficiency Ratio ? |
103.89%
-1.3% YoY
+0.4% QoQ
|
+36.16% |
67.73%
-4.8% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
Bottom 4% in tier |
| Delinquency Rate ? |
0.86%
-8.7% YoY
+7.0% QoQ
|
+0.22% |
0.64%
+24.4% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
119.65%
-0.7% YoY
+2.0% QoQ
|
+45.12% |
74.53%
+0.5% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.67%
-4.5% YoY
-1.8% QoQ
|
+4.28% |
22.39%
-1.3% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
69% |
| Nonperforming Asset Ratio ? |
0.70%
-5.8% YoY
+10.1% QoQ
|
+0.24% |
0.45%
+25.1% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
28% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.19%
-7.1% YoY
+29.7% QoQ
|
-0.37% |
0.56%
+0.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
23% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Return on Assets
metric
Bottom 5%
in Micro
Why this stands out
Current:
-0.17%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
103.89%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
119.65%
(Tier avg: 74.53%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
84
84th pctile
Net Interest Margin
Current: 4.69% · Tier avg: 3.85%
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 26.67% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
35
35th pctile
Total Loans
Current: $81.3M · Tier avg: $139.2M
33
33th pctile
Delinquency Rate
Current: 0.86% · Tier avg: 0.64%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.70% · Tier avg: 0.45%
23
23th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
23
23th pctile
Total Assets
Current: $100.6M · Tier avg: $217.5M
17
17th pctile
Total Deposits
Current: $68.0M · Tier avg: $183.7M
5
5th pctile
Return on Assets
Current: -0.17% · Tier avg: 1.08%
4
4th pctile
Efficiency Ratio
Current: 103.89% · Tier avg: 67.73%
1
1th pctile
Loan-to-Deposit Ratio
Current: 119.65% · Tier avg: 74.53%
Top Weaknesses
1
1th pctile
Loan-to-Deposit Ratio
Current: 119.65% · Tier avg: 74.53%
4
4th pctile
Efficiency Ratio
Current: 103.89% · Tier avg: 67.73%
5
5th pctile
Return on Assets
Current: -0.17% · Tier avg: 1.08%
17
17th pctile
Total Deposits
Current: $68.0M · Tier avg: $183.7M
23
23th pctile
Total Assets
Current: $100.6M · Tier avg: $217.5M
23
23th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.70% · Tier avg: 0.45%
33
33th pctile
Delinquency Rate
Current: 0.86% · Tier avg: 0.64%
35
35th pctile
Total Loans
Current: $81.3M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 26.67% · Tier avg: 22.39%
84
84th pctile
Net Interest Margin
Current: 4.69% · Tier avg: 3.85%