BanksUBANK

UBANK

KNOXVILLE, TNSmallEst. Jan. 1, 1918, midnightFDIC #1693RSSD #423636FDIC
Latest · 2025-12-31

UBANK is an FDIC-insured commercial bank headquartered in KNOXVILLE, TN, established in Jan. 1, 1918, midnight. As of 2025-12-31, the bank reported total assets of $180M and total deposits of $156M. Profitability stands at 1.32% ROA and 10.15% ROE, with a net interest margin of 4.47%. CET1 capital ratio: 12.97%, well above regulatory minimums. NPL ratio: 0.67% · Texas Ratio: 3.60%. Operates 2 domestic branches.

Assets
$180M
Deposits
$156M
Loans
$136M
Equity
$23M

Profitability

Return on Assets (ROA)1.32%
Return on Equity (ROE)10.15%
Net Interest Margin4.47%
Yield on Assets6.85%
Cost of Funds2.54%

Asset Quality

NPL Ratio0.67%
Net Charge-Off Ratio0.00%
Texas Ratio3.60%
NPA Ratio0.51%
ACL / Loans1.49%

Capital & Liquidity

CET1 Ratio12.97%
Tier 1 Capital12.97%
Total Capital Ratio13.62%
Leverage Ratio13.21%
Loan-to-Deposit87.49%

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