Vitals
  • Total Assets
    2.5B 1.4 %
  • Total Deposits
    2.0B 3.1 %
  • Total Net Loans
    1.8B 1.0 %
  • Net Income
    5.2M 1.4 %
  • Book Value
    300.6M -1.6 %
  • Book Value x2
    601.1M -1.6 %
  • Book Value x3
    901.7M -1.6 %
ROAA

.852

ROAE

7.049

Efficiency Ratio

64.753

Net Interest Margin

3.522

Balance Sheet Highlights
Financial Highlights United Bank All Insured Savings Banks in Massachusetts
Balance Sheet $(000)
Total Assets 2,463,958 593,459
Total Net Loans 1,848,605 423,353
Total Deposits 1,964,649 469,312
Total Equity 300,553 65,031
Profitability
Net Income 5,237 728
Return on Average Assets .852 .424
Return on Average Equity 7.049 3.926
Net Interest Margin 3.522 3.146
Efficiency Ratio 64.753 81.895
Noninterest Income/Revenue 9.175 12.973
Balance Sheet Ratios
Loan-to-Deposit 94.093 88.559
Securities/Assets .154 .168
Total Equity/Total Assets .122 .11
Tangible Equity/Tangible Assets .104 .108
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 256,122 62,795
Tier 2 Capital 13,590 4,850
Total Capital 269,712 67,870
Total Risk Weighted Assets 1,987,292 399,409
Leverage Ratio 10.59 10.617
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 12.89 16.42
Total Capital Ratio 13.57 17.637

Timeline for United Bank

United Bank

United Bank was acquired by United Bank 10 years

View Profile May 01 2014

Ucb Securities Inc. Ii

Ucb Securities Inc. Ii became a new subsidiary organization for United Bank.

View Profile Dec 01 2012

New England Bank

Acquisition: United Bank acquired a new subsidiary, New England Bank, 11 years

View Profile Nov 17 2012

Ub Properties, Llc

Ub Properties, Llc became a new subsidiary organization for United Bank.

View Profile Jul 21 2011

United Bank Investment Corp, Inc.

United Bank Investment Corp, Inc. became a new subsidiary organization for United Bank.

View Profile Jul 21 2011

Want to see more?

Complete timeline for United Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
United Bank Buyer 6,533,122 Acquisition Discontinued 5/1/2014
New England Bank Seller 728,970 Acquisition Discontinued 11/17/2012
Commonwealth National Bank Seller 285,939 Discontinued 12/1/2009
City Co-Operative Bank Seller 22,138 Discontinued 6/20/1994
Westfield Co-Operative Bank Seller Discontinued 8/3/1981
Relationships Role Relationship Start Relationship End
United Financial Bancorp, Inc. Parent 7/21/2011 4/30/2014
United Financial Bancorp, Inc. Parent 12/3/2007 7/20/2011
Ub Properties, Llc Subsidary 7/21/2011 4/30/2014
United Bank Investment Corp, Inc. Subsidary 7/21/2011 4/30/2014
Ucb Securities Inc. Ii Subsidary 12/1/2012 4/30/2014
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