UniBank for Savings
Whitinsville, MA
IDRSSD: 709602
Total Assets
$2.74B
Latest filing
Total Deposits
$2.14B
Latest filing
Net Interest Margin
3.10%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
UniBank for Savings
49 Church St
Whitinsville, MA 01588
Full Service - Brick and Mortar
Updated 01/30/2026Established 06/03/1870FDIC Certificate 17879
Branches (14)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| UniBank for Savings (Main) | 49 Church St | Whitinsville, MA |
| NORTH MAIN STREET BRANCH | 25 North Main Street | Uxbridge, MA |
| DOUGLAS BRANCH | 4 Mechanic Street | Douglas, MA |
| UPTON BRANCH | 113 Main St | Upton, MA |
| BLACKSTONE BRANCH | 10 Cheney St | Blackstone, MA |
| SUTTON BRANCH | 156 Worcester Providence Tpke | Sutton, MA |
| WHITINSVILLE PLAZA BRANCH | 1189 Providence Road | Whitinsville, MA |
| MILFORD BRANCH | 91 Prospect St | Milford, MA |
Showing 7 of 14
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 | 06/03/1870 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 01588 |
| State and County Number | 25027 |
| 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 | New York |
| Core Based Statistical Area Name | Worcester, MA-CT |
Operational Info
| Number of Employees | 270 |
| Domestic Offices | 15 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/17/2024 |
| Date of Deposit Insurance | 09/10/1985 |
| Primary Insurance Agency | DIF |
| Website | www.unibank.com |
| Data Updated | 01/30/2026 |
| CERT | 90290 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.74B |
| Total Deposits | $2.14B |
| Total Liabilities | $2.51B |
| Total Equity Capital | $220.67M |
| Net Income | $5.49M |
| Net Loans and Leases | $2.10B |
| Assets Per Employee ($Millions) | $10.21M |
| Bank Premises and Fixed Assets | $22.79M |
| Cash and Balances due from Depository Institutions | $40.15M |
| Deposits Held in Domestic Offices | $2.14B |
Key Performance Ratios
| Return on Assets (ROA) | 0.8% |
| Return on Equity (ROE) | 10.13% |
| Net Interest Margin | 3.1% |
| Efficiency Ratio | 60.97% |
| Tier 1 Risk-Based Capital Ratio | 13.386% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.28% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.068% |
| Earning Assets to total Assets | 96.65% |
Income and Expense
| Total Interest Income | $30.99M |
| Total Noninterest Income | $3.35M |
| Total Interest Expense | $10.35M |
| Total Noninterest Expense | $14.62M |
| Net Interest Income | $20.64M |
| Pre-tax Net Operating Income | $7.46M |
| Provision for Credit Losses | $1.90M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $84.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $45.00k |
| Federal Funds Purchased and Repurchased Agreement | $256.29M |
| All Other Liabilities | $28.59M |
| Total Liabilities and Capital | $2.74B |
Securities
| Securities | $512.23M |
| Available-for-sale debt securities | $467.72M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $44.59M |
| Subordinated Debt | $0 |
| Trading Account Assets | $1.95M |
| Trading Liabilities | $1.95M |
Frequently Asked Questions
What are the total assets of UniBank for Savings?
$2.74B as of the latest filing.
How much are UniBank for Savings's total deposits?
$2.14B in total deposits.
Where is UniBank for Savings located?
Whitinsville, MA.
What is the Net Interest Margin?
3.10%.
How many domestic offices does it operate?
15.
When was it established?
06/03/1870.
What is the Return on Assets (ROA)?
0.8%.
How much are total loans and leases?
$2.10B (latest filing).
What is the total interest income (latest filing)?
$30.99M.