UBANK

HUNTINGTON, TX | Medium | Est. Jan. 23, 1961, midnight | FDIC #18344 | RSSD #917555 | FDIC
Latest Report: 2025-12-31

UBANK is amn medium FDIC-insured commercial bank headquartered in HUNTINGTON, TX, established in Jan. 23, 1961, midnight. As of 2025-12-31, the bank reported total assets of $906M and total deposits of $790M. Profitability stands at 1.46% ROA and 15.83% ROE, with a net interest margin of 4.79%. The bank's CET1 capital ratio is 9.27%. Asset quality metrics show a non-performing loan ratio of 0.65% and a Texas Ratio of 5.30%. FDIC Certificate #18344.

Assets

$906M

Deposits

$790M

Loans

$719M

Equity

$84M

Profitability

Return on Assets (ROA) 1.46%
Return on Equity (ROE) 15.83%
Net Interest Margin (NIM) 4.79%
Yield on Assets 7.24%
Cost of Funds 2.50%

Asset Quality

NPL Ratio 0.65%
Net Charge-Off Ratio 0.38%
Texas Ratio 5.30%
NPA Ratio 0.54%
ACL / Loans 1.19%

Capital & Liquidity

CET1 Ratio 9.27%
Tier 1 Capital 9.27%
Total Capital Ratio 9.73%
Leverage Ratio 10.42%
Loan-to-Deposit 90.95%

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