UNITY NATIONAL BANK OF HOUSTON

HOUSTON, TX | Small | Est. Aug. 1, 1985, midnight | FDIC #26351 | RSSD #853251 | OCC
Latest Report: 2025-12-31

UNITY NATIONAL BANK OF HOUSTON is asn small FDIC-insured commercial bank headquartered in HOUSTON, TX, established in Aug. 1, 1985, midnight. As of 2025-12-31, the bank reported total assets of $229M and total deposits of $197M. Profitability stands at 1.44% ROA and 11.65% ROE, with a net interest margin of 3.22%. The bank's CET1 capital ratio is 21.28%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.23% and a Texas Ratio of 6.88%. FDIC Certificate #26351.

Assets

$229M

Deposits

$197M

Loans

$138M

Equity

$29M

Profitability

Return on Assets (ROA) 1.44%
Return on Equity (ROE) 11.65%
Net Interest Margin (NIM) 3.22%
Yield on Assets 6.10%
Cost of Funds 3.07%

Asset Quality

NPL Ratio 1.23%
Net Charge-Off Ratio 0.41%
Texas Ratio 6.88%
NPA Ratio 0.93%
ACL / Loans 1.46%

Capital & Liquidity

CET1 Ratio 21.28%
Tier 1 Capital 33.46%
Total Capital Ratio 34.72%
Leverage Ratio 14.00%
Loan-to-Deposit 69.78%

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