Bank Comparison
Unity National Bank of Houston vs Franklin State Bank & Trust Company
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 11
winning metrics across 16 scored rows
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Capital adequacy
| Metric | Unity National Bank of Houston | Franklin State Bank & Trust Company |
|---|---|---|
| CET1 Ratio | 8.48% | 21.95% |
| Tier 1 Capital Ratio | 15.45% | 21.95% |
| Total Capital Ratio | 16.68% | 23.20% |
| Tier 1 Leverage Ratio | 12.02% | 10.03% |
| Equity / Assets | 12.28% | 10.09% |
Profitability
| Metric | Unity National Bank of Houston | Franklin State Bank & Trust Company |
|---|---|---|
| Return on Assets (ROA) | 0.06% | 1.74% |
| Return on Equity (ROE) | 0.47% | 17.71% |
| Net Interest Margin (NIM) | 2.09% | 4.39% |
| Yield on Earning Assets | 4.83% | 5.97% |
| Cost of Funds | 3.25% | 1.70% |
Asset quality
| Metric | Unity National Bank of Houston | Franklin State Bank & Trust Company |
|---|---|---|
| Texas Ratio | 5.34% | 5.35% |
| Non-Performing Loan Ratio | 0.77% | 0.68% |
| Non-Performing Asset Ratio | 0.71% | 0.44% |
| Net Charge-Off Ratio | -0.17% | 0.58% |
| ACL / Loans | 1.41% | 1.28% |
Balance sheet
| Metric | Unity National Bank of Houston | Franklin State Bank & Trust Company |
|---|---|---|
| Total Assets | $224.9M | $224.7M |
| Total Deposits | $193.5M | $200.2M |
| Total Loans | $148.4M | $126.1M |
| Total Equity | $27.6M | $22.7M |
| Net Income (quarter) | $32K | $990K |
Liquidity & funding
| Metric | Unity National Bank of Houston | Franklin State Bank & Trust Company |
|---|---|---|
| Loan-to-Deposit Ratio | 76.67% | 62.99% |
| Core Deposit Ratio | 65.78% | 75.10% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Unity National Bank of Houston | Franklin State Bank & Trust Company |
|---|---|---|
| Headquarters City | Houston | Winnsboro |
| Headquarters State | TX | LA |
| Asset Tier | $100M to $1B in assets | $100M to $1B in assets |
| Regulator | OCC | FDIC |
| Domestic Branches | 2 | 4 |
| Employees (FTE) | 42 | 48 |
| Established | August 1, 1985 | January 1, 1908 |
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 June 30, 2026. 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. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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