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Overview / Commentary
626-965-6230
1630 South Azusa Avenue
City Of Industry, CA 91748

United Pacific Bank is headquartered in City Of Industry and is the 194th largest bank in the state of California. It is also the 4,497th largest bank in the nation. It was established in 1982 and as of December of 2013, it had grown to 23 employees at 2 locations. United Pacific Bank has a B+ health rating.

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Health

Data for Q4 2013

Institution Health

B+

Texas Ratio

GRADE:
A

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 United Pacific Bank had $1.9 million in non-current loans and owned real-estate with $20.71 million in equity and loan loss allowances on hand to cover it. This gives United Pacific Bank a Texas Ratio of 9.16% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for United Pacific Bank decreased slightly from 10.90% as of December 31, 2012 to 9.16% as of December 31, 2013, resulting in a positive change of 16.03%.This indicates that the balance sheet and financial strength for United Pacific Bank has improved slightly in recent periods.

Deposit Growth

GRADE:
D

In the past year, United Pacific Bank has decreased its total deposits by -$7.87 million, resulting in -8.58% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth United Pacific Bank has shown is below average.

Capitalization

GRADE:
A+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. United Pacific Bank has $110.46 million in assets with $20.71 million in equity, resulting in a capitalization level of 18.75%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #23805
Year Established1982
Employees23
Primary RegulatorFDIC
Assets and Liabilities
Assets$110.46 million
Loans$80.80 million
Deposits$83.92 million
Equity Capital$18.14 million
Loan Loss Allowance$2.57 million
Unbacked Noncurrent Loans$1.90 million
Real Estate Owned$0
Historic Data - December 2012
Assets$119.27 million
Equity Capital$17.13 million
Loan Loss Allowance$3.18 million
Unbacked Noncurrent Loans$1.90 million
Real Estate Owned$344,000
Profit Margin - Quarterly
Net Interest Margin3.09%
Return on Assets0.94%
Return on Equity6.15%
Interest Income$4.25 million
Rates

Always verify rates and promotions with the bank or credit union. We are not United Pacific Bank, we are a rate comparison website and can not provide official rates or promotions.

United Pacific Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.18%$500-Personal Super Savings
0.18%$500-Business Super Savings
0.15%$100-Personal Regular Savings

United Pacific Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
0.45%$100k-Personal Money Market Account
0.45%$100k-Business Money Market Account
0.45%$100k-Business Money Market Savings
0.45%$100k-Personal Money Market Savings

United Pacific Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.25%$100k-Personal High Yield Checking Account
0.25%$100k-Non-Profit Organization High Yield Checking Account
0.25%$100k-Sole Ownership High Yield Checking Account
0.25%$100k-Attorney Client Trust High Yield Checking Account
0.15%$200-Personal Super Now Account
0.15%$1k-Non-Profit Organization Super Now Account
0.15%$1k-Sole Ownership Super Now Account
0.15%$1k-Attorney Client Trust Super Now Account

United Pacific Bank CD Rates

DetailsAPYMINMAXPRODUCT
0.90%$2,500-36 Month Personal CD
0.90%$2,500-36 Month Business CD
0.80%$2,500-24 Month Personal CD
0.80%$2,500-24 Month Business CD
0.78%$2,500-18 Month Personal CD
0.78%$2,500-18 Month Business CD
0.75%$50k-1 Year Personal CD
0.75%$50k-1 Year Business CD
0.60%$50k-180 Day Personal CD
0.60%$50k-180 Day Business CD
0.40%$50k-90 Day Personal CD
0.40%$50k-90 Day Business CD
0.30%$2,500-30 Day Personal CD
0.30%$2,500-30 Day Business CD
0.20%$2,500-7 Day Personal CD
0.20%$2,500-7 Day Business CD

United Pacific Bank IRA Rates

DetailsAPYMINMAXPRODUCT
0.70%$100-18 Month IRA
Locations


United Pacific Bank Locations
San Gabriel Valley Regional Office101 West Garvey AvenueMontery Park, CA 91754
United Pacific Bank1630 South Azusa AvenueCity Of Industry, CA 91748