Bank Comparison
Texana Bank, N.A. vs United Community Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 5
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Texana Bank, N.A. | United Community Bank |
|---|---|---|
| CET1 Ratio | 10.33% | — |
| Tier 1 Capital Ratio | 10.33% | — |
| Total Capital Ratio | 11.56% | — |
| Tier 1 Leverage Ratio | 9.02% | 10.65% |
| Equity / Assets | 8.41% | 8.03% |
Profitability
| Metric | Texana Bank, N.A. | United Community Bank |
|---|---|---|
| Return on Assets (ROA) | 1.25% | 0.92% |
| Return on Equity (ROE) | 14.10% | 11.79% |
| Net Interest Margin (NIM) | 4.06% | 3.36% |
| Yield on Earning Assets | 6.16% | 5.14% |
| Cost of Funds | 2.16% | 1.92% |
Asset quality
| Metric | Texana Bank, N.A. | United Community Bank |
|---|---|---|
| Texas Ratio | 15.22% | 19.85% |
| Non-Performing Loan Ratio | 1.49% | 2.80% |
| Non-Performing Asset Ratio | 1.41% | 1.74% |
| Net Charge-Off Ratio | -0.05% | 0.01% |
| ACL / Loans | 1.08% | 1.48% |
Balance sheet
| Metric | Texana Bank, N.A. | United Community Bank |
|---|---|---|
| Total Assets | $352,752K | $352,389K |
| Total Deposits | $279,893K | $320,968K |
| Total Loans | $327,550K | $212,049K |
| Total Equity | $29,668K | $28,309K |
| Net Income (quarter) | $1,028K | $842 |
Liquidity & funding
| Metric | Texana Bank, N.A. | United Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 117.03% | 66.07% |
| Core Deposit Ratio | 73.14% | 94.37% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Texana Bank, N.A. | United Community Bank |
|---|---|---|
| Headquarters City | LINDEN | PERHAM |
| Headquarters State | TX | MN |
| Asset Tier | Small | Small |
| Charter Class | 10476 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 7 | 3 |
| Employees (FTE) | 398 | 52 |
| Established | Jan. 1, 1914, midnight | Jan. 1, 1911, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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