OneUnited Bank
Boston, MA
IDRSSD: 935308
Total Assets
$622.45M
Latest filing
Total Deposits
$530.71M
Latest filing
Net Interest Margin
2.47%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
OneUnited Bank
100 Franklin St
Boston, MA 02110
Full Service - Brick and Mortar
Updated 11/14/2025Established 08/02/1982FDIC Certificate 16717
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| OneUnited Bank (Main) | 100 Franklin St | Boston, MA |
| 79TH STREET BRANCH | 3275 Nw 79th St | Miami, FL |
| CRENSHAW BRANCH | 3683 Crenshaw Blvd | Los Angeles, CA |
| GROVE HALL BRANCH | 648 Warren St | Dorchester, MA |
| COMPTON BRANCH | 1495 N Wilmington Ave | Compton, CA |
Showing 4 of 4
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 08/02/1982 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 02110 |
| State and County Number | 25025 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 01 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | Boston-Cambridge-Newton, MA-NH |
Operational Info
| Number of Employees | 121 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/18/2023 |
| Date of Deposit Insurance | 08/02/1982 |
| Primary Insurance Agency | DIF |
| Website | www.oneunited.com |
| Data Updated | 11/14/2025 |
| CERT | 23966 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $622.45M |
| Total Deposits | $530.71M |
| Total Liabilities | $560.11M |
| Total Equity Capital | $62.34M |
| Net Income | $1.03M |
| Net Loans and Leases | $407.71M |
| Assets Per Employee ($Millions) | $5.71M |
| Bank Premises and Fixed Assets | $10.97M |
| Cash and Balances due from Depository Institutions | $33.64M |
| Deposits Held in Domestic Offices | $530.71M |
Key Performance Ratios
| Return on Assets (ROA) | 0.67% |
| Return on Equity (ROE) | 6.76% |
| Net Interest Margin | 2.47% |
| Efficiency Ratio | 103.02% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.015% |
| Earning Assets to total Assets | 95.01% |
Income and Expense
| Total Interest Income | $6.09M |
| Total Noninterest Income | $3.17M |
| Total Interest Expense | $2.48M |
| Total Noninterest Expense | $6.99M |
| Net Interest Income | $3.61M |
| Pre-tax Net Operating Income | $-208,000 |
| Provision for Credit Losses | $3.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $25.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.40M |
| Total Liabilities and Capital | $622.45M |
Securities
| Securities | $151.83M |
| Available-for-sale debt securities | $144.27M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of OneUnited Bank?
$622.45M as of the latest filing.
How much are OneUnited Bank's total deposits?
$530.71M in total deposits.
Where is OneUnited Bank located?
Boston, MA.
What is the Net Interest Margin?
2.47%.
How many domestic offices does it operate?
6.
When was it established?
08/02/1982.
What is the Return on Assets (ROA)?
0.67%.
How much are total loans and leases?
$407.71M (latest filing).
What is the total interest income (latest filing)?
$6.09M.