Unity National Bank of Houston: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Unity National Bank of Houston spends more to run itself than most banks of its size. The Houston, Texas bank had $225 million in assets at June 30, 2026, down 2.2% from a year earlier. It earns about $0.26 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 98 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Earnings fell sharply: quarterly net income of $152,000 was 72% below a year earlier. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.35% of loans from 1.36%. Its margin is thin by comparison: it keeps 2.29 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
As of June 30, 2026, Unity National Bank of Houston reported a CET1 capital ratio of 8.54%, a return on assets of 0.26%, a nonperforming-loan ratio of 0.77% and a Texas ratio of 3.27%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 2602 Blodgett St, Houston, TX 77004
- County
- Harris
- Metro Area
- Houston-Pasadena-The Woodlands, TX
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 1, 1985
- Offices
- 2 domestic
- Employees (FTE)
- 42
- Domestic deposits
- $193.5M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- -$107K
- Average total assets
- $229.7M
- Average total loans
- $143.0M
- Average interest-bearing deposits
- $129.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 1, 1985
- FDIC Cert
- 26351
- Fed RSSD
- 853251
- Website
- www.unitybanktexas.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Unity National Bank of Houston terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Unity National Bank of Houston, freeUnity National Bank of Houston rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 8.54% | 0.26% | 0.77% | 3.27% | 2.29% |
| Q1 2026 | 18.88% | 0.72% | 1.18% | 6.19% | 2.50% |
| Q4 2025 | 20.87% | 1.41% | 1.53% | 7.78% | 3.21% |
| Q3 2025 | 19.26% | 0.40% | 1.32% | 10.02% | 2.63% |
| Q2 2025 | 18.05% | 1.01% | 1.49% | 11.29% | 3.11% |
| Q1 2025 | 17.53% | 0.75% | 2.32% | 14.31% | 2.76% |
| Q4 2024 | 17.68% | 3.38% | 3.83% | 10.32% | 2.80% |
| Q3 2024 | 17.28% | 1.18% | 2.45% | 1.22% | 3.03% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 2 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Unity National Bank of Houston (main office) | Houston , TX | 77004 | $175.9M |
| Missouri Branch | Missouri City , TX | 77489 | $17.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 2, 1985 | Structure Change | Acquired Riverside National Bank of Houston Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 1, 1985 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for Unity National Bank of Houston, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 3 against the institution (OCC); 1 against individuals associated with it
- August 30, 2022, OCC: Formal Agreement: Unity National Bank of Houston
- October 2, 2003, OCC: Formal Agreement: Unity National Bank of Houston
- April 29, 1991, OCC: Formal Agreement: Unity National Bank Of Houston
- Period: Most recent institution action August 30, 2022. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 297 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $1.2M approved, $405K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Unity National Bank of Houston
What are Unity National Bank of Houston's total assets?
As of the Q2 2026 filing, Unity National Bank of Houston reported total assets of $224.9 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Unity National Bank of Houston headquartered?
Unity National Bank of Houston is headquartered in Houston, TX, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Unity National Bank of Houston founded?
Unity National Bank of Houston was established in 1985, per the FDIC institution directory.
Is Unity National Bank of Houston FDIC-insured?
Yes. Unity National Bank of Houston is an FDIC-insured commercial bank (FDIC Certificate #26351). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Unity National Bank of Houston?
Unity National Bank of Houston's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Unity National Bank of Houston's CET1 capital ratio?
Unity National Bank of Houston reported a Common Equity Tier 1 (CET1) capital ratio of 8.54% in its Q2 2026 call report, above the 7% level required once the capital conservation buffer is included.
How many branches does Unity National Bank of Houston operate?
Unity National Bank of Houston operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Unity National Bank of Houston's Texas Ratio?
Unity National Bank of Houston's Texas Ratio is 3.27% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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