EXHIBIT 21.0

SUBSIDIARIES OF UNITED FINANCIAL BANCORP, INC. AND UNITED BANK

Subsidiary of United Financial Bancorp, Inc.:

United Bank, a Connecticut chartered savings bank

Subsidiaries of United Bank:

United Northeast Financial Advisors, Inc., a Connecticut corporation

United Bank Mortgage Company, a Connecticut corporation

United Bank Investment Sub, Inc., a Connecticut corporation

United Bank Residential Properties, Inc., a Connecticut corporation

United Bank Commercial Properties, Inc., a Connecticut corporation

United Bank Investment Corp, Inc., a Connecticut corporation

UCB Securities Inc. II, a Massachusetts corporation

UB Properties, LLC, a Massachusetts Limited Liability Company

United Financial Realty HC, Inc., a Connecticut corporation

Subsidiary of United Financial Realty HC, Inc.

United Financial Business Trust I, a Maryland business trust