United Pacific Bank

1630 South Azusa Avenue
City Of Industry, CA 91748

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 23805
Date Established 1982
Assets $0.13 billion
Loans $0.10 billion
Deposits $0.09 billion
Capital $0.02 billion

United Pacific Bank is an FDIC insured institution located in City Of Industry, CA. It was founded in 1982 and has approximately $0.13 billion in assets. Customers can open an account at one of its 2 branches.

For a more detailed analysis of United Pacific Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in United Pacific Bank’s loan portfolio are Commercial Real Estate, Multifamily Mortgages, and Commercial and Industrial Loans.

Compared to other banks in California, United Pacific Bank has a significantly higher percent of Multifamily Mortgages, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 1.71
Multifamily
Mortgages
28.09
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.74
Commercial Real Estate 70.28
Commercial and Industrial Loans 1.92
Farm Loans 0.00

Deposit Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.35% $2,500 $49,999 Learn MoreShow Less
3 Mo CD 100K
0.40% $100,000 - Learn MoreShow Less
6 Mo CD 10K
0.55% $2,500 $49,999 Learn MoreShow Less
6 Mo CD 100K
0.60% $100,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.70% $100 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K
0.25% $2,500 $24,999 Learn MoreShow Less
MM 25K
0.25% $25,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.15% $200 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for United Pacific Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
3.911% 3.875% 0.00 $1,194 $1,176 Learn More
PenFed Credit Union
NMLS ID: 401822
4.073% 3.990% 0.00 $2,500 $1,193 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.490% $224.24 Learn More
Flagstar Bank 5.240% $275.79 Learn More

Note to United Pacific Bank
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Branches

United Pacific Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


United Pacific Bank Locations

Financial Details

United Pacific Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of United Pacific Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
United Pacific Bank U.S. Bank Average
0.5% 8.32%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2017, United Pacific Bank had $126,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $22,457,000 in equity and $2,725,000 in loans loss reserves. That gives it a Texas Ratio of 0.5%.

Return on Equity
United Pacific Bank U.S. Bank Average
3.99% 8.84%

United Pacific Bank has a Return on Equity of 3.99% versus the BestCashCow average of 8.84%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
United Pacific Bank U.S. Bank Average
17.2% 12.21%

United Pacific Bank has a Capitalization of 17.2% versus the BestCashCow average of 12.21. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

United Pacific Bank Balance Sheet Analysis

As of September 30, 2017, United Pacific Bank had assets of $130,539,000, loans of $99,417,000, and deposits of $92,669,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About United Pacific Bank

Branches and Savings

Is United Pacific Bank FDIC insured?

Yes. It is covered under FDIC Certificate #23805.

Why does United Pacific Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are United Pacific Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is United Pacific Bank a commercial bank?

Yes

Where are United Pacific Bank locations?

See branch locations nearby.

Is United Pacific Bank open on Saturdays?

Is United Pacific Bank open on Sundays?

What time does United Pacific Bank open?

What time does United Pacific Bank close?

Are United Pacific Bank ATMs Open 24/7?

Do United Pacific Bank ATMs accept cash deposits?

Can United Pacific Bank customers use other ATMs?

Do United Pacific Bank branches have notaries?

Will United Pacific Bank notarize my document?

What address for United Pacific Bank should I put for incoming ACH transfers?

Will the United Pacific Bank branch print checks?

Do United Pacific Bank checks expire?

Does United Pacific Bank require US citizenship to open account?

Can United Pacific Bank close my account?

Does United Pacific Bank Report to credit bureaus?

Does United Pacific Bank Use Equifax?

What is United Pacific Bank's ACH Routing Number?

What is United Pacific Bank's SWIFT code?

Products

Does United Pacific Bank offer mortgages?

Compare mortgage rates here.

Does United Pacific Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does United Pacific Bank offer personal loans?

Compare personal loan rates here.

Does United Pacific Bank offer student loans?

Will United Pacific Bank cash a check?

Will United Pacific Bank redeem a savings bond?

Does United Pacific Bank cash savings bonds?

Will United Pacific Bank cash money orders?

Can United Pacific Bank issue a money order?

Does United Pacific Bank do currency exchange?

Background on The Bank

Who owns United Pacific Bank?

How long has United Pacific Bank been around?

Can United Pacific Bank transfer to other banks?

Does United Pacific Bank have quick pay?

Does United Pacific Bank accept rolled coins?

Will United Pacific Bank accept loose change?

Where is United Pacific Bank headquarters?

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