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6301 Beach Boulevard, Suite 100
Buena Park, CA 90621

UNITI BANK is headquartered in Buena Park and is the 157th largest bank in the state of California. It is also the 3,406th largest bank in the nation. It was established in 2001 and as of June of 2014, it had grown to 49 employees at 3 locations. UNITI BANK has a A+ health rating.

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Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 UNITI BANK had $1.48 million in non-current loans and owned real-estate with $30.46 million in equity and loan loss allowances on hand to cover it. This gives UNITI BANK a Texas Ratio of 4.87% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for UNITI BANK decreased dramatically from 20.74% as of June 30, 2013 to 4.87% as of June 30, 2014, resulting in a positive change of 76.52%.This indicates that the balance sheet and financial strength for UNITI BANK has improved dramatically in recent periods.

Deposit Growth


In the past year, UNITI BANK has increased its total deposits by $6.65 million, resulting in 4.85% 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 UNITI BANK has shown is excellent.



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. UNITI BANK has $168.82 million in assets with $30.46 million in equity, resulting in a capitalization level of 18.04%, which is excellent.

Institution Statistics

FDIC Certificate #57120
Year Established2001
Primary RegulatorFDIC
Assets and Liabilities
Assets$168.82 million
Loans$114.61 million
Deposits$143.92 million
Equity Capital$23.99 million
Loan Loss Allowance$6.47 million
Unbacked Noncurrent Loans$1.48 million
Real Estate Owned$0
Historic Data - June 2013
Assets$159.91 million
Equity Capital$21.93 million
Loan Loss Allowance$5.39 million
Unbacked Noncurrent Loans$1.48 million
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets1.05%
Return on Equity7.66%
Interest Income$3.32 million

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UNITI BANK Locations
L. A. Office Branch3327 Wilshire BlvdLos Angeles, CA 90010
Uniti Bank6301 Beach Boulevard, Suite 100Buena Park, CA 90621
Garden Grove Branch9252 Garden Grove Boulevard #27Garden Grove, CA 92844