Bank · FDIC insured
UniBank
A $393M bank headquartered in Lynnwood, WA, with 4 branches in Washington. Best rates: CDs 3.60% and savings 0.05% APY.
UniBank Carrot Score
64
Carrot Score
Higher than 10% of U.S. banks and credit unions
#52 of 62 in Seattle, WA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About UniBank
UniBank is a community bank operating in the Northwest.
- Headquarters
- 19315 Highway 99, Lynnwood, WA 98036
- FDIC certificate
- 58407 ↗
Branches
4 branches in Washington
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Washington
4 branches
- UniBankMain office19315 Highway 99, Lynnwood, WA 98036Directions
- Bellevue Branch3640 Factoria Blvd Se, Bellevue, WA 98006Directions
- Federal Way Branch31433 Pacific Hwy S, Federal Way, WA 98003Directions
- Tacoma Branch9104 South Tacoma Way Ste A101, Lakewood, WA 98499Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 7.31% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.54% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | -0.25% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $84 | $81 | — |
- CapitalLeverage ratio7.31%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.54%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets-0.25%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$84Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of UniBank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.