Call reports 2025
ONEUNITED BANK — 2025
What ONEUNITED BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 606,628,000 | 606,802,000 | 622,449,000 | 761,724,000 |
| Total loans | 411,548,000 | 408,541,000 | 409,316,000 | 403,177,000 |
| Allowance for loan losses | 1,653,000 | 1,631,000 | 1,609,000 | 1,601,000 |
| Securities available for sale | 108,754,000 | 119,852,000 | 144,268,000 | 141,713,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 518,228,000 | 517,394,000 | 530,711,000 | 516,958,000 |
| Interest-bearing deposits | 445,414,000 | 447,704,000 | 461,080,000 | 445,507,000 |
| Noninterest-bearing deposits | 72,814,000 | 69,690,000 | 69,631,000 | 71,451,000 |
| Equity capital | 59,040,000 | 59,643,000 | 62,341,000 | 62,695,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,926,000 | 11,864,000 | 17,950,000 | 23,945,000 |
| Interest expense | 2,041,000 | 4,461,000 | 6,937,000 | 9,525,000 |
| Net interest income | 3,885,000 | 7,403,000 | 11,013,000 | 14,420,000 |
| Noninterest income | 4,161,000 | 7,193,000 | 10,366,000 | 13,901,000 |
| Noninterest expense | 7,482,000 | 14,732,000 | 21,720,000 | 28,299,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 630,000 | 850,000 | 2,162,000 | 1,801,000 |
| Income tax | 184,000 | 189,000 | 470,000 | 410,000 |
| Net income | 446,000 | 661,000 | 1,692,000 | 1,391,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,540,000 | 67,834,000 | 69,210,000 | 68,349,000 |