Ubank (Knoxville, TN)
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Data as of · sourced from FFIEC call reports. How we update
Ubank is an FDIC-insured commercial bank headquartered in Knoxville, TN, established in 1918 (FDIC certificate 1693), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $182.8M, up 8.1% from Q2 2025, the 94th largest of 109 banks headquartered in Tennessee. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.14% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1693
- Headquarters
- Knoxville, TN
- Established
- 1918
- Total assets, Q2 2026
- $182.8M
- Assets vs Q2 2025
- +8.1%
- Tier 1 leverage ratio, Q2 2026
- 13.14%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 064201845
- Holding company
- U BANCSHARES, INC.
- Asset rank in state
- 94th of 109 in Tennessee
Little in Ubank's latest call report stands out. Based in Knoxville, Tennessee, it had $183 million in assets at June 30, 2026, up 8.1% from a year earlier. On most measures it sits near the middle of the 2,660 banks with $100 million to $1 billion in assets.
Delinquency has appeared in its $23 million non-owner-occupied commercial real estate book: 3.92% of those loans are past due or on nonaccrual, against almost none a year earlier. Deposits are coming in faster than loans: over the year loans rose 1.8% and deposits rose 9.2%. Funding is the softer spot: it pays an average of 2.31% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Ubank reported a return on assets of 1.21%, a nonperforming-loan ratio of 0.68% and a Texas ratio of 3.56%. The figures come from its call report filed with the FFIEC.
Ubank ranks as the 94th largest of the 109 banks based in Tennessee, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.5% to $182.8M, loans fell 3.7% and deposits rose 1.6%. 1-4 family residential loans made up 27.5% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 19.1%. Its 2 offices in the FDIC Summary of Deposits are in Knoxville, TN and Jellico, TN; its Knoxville office books 62% of its branch deposits. On its Q2 2026 call report, Ubank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 155 N Campbell Station Rd, Knoxville, TN 37934
- County
- Knox
- Metro Area
- Knoxville, TN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1918
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 22
- Domestic deposits
- $158.4M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- $0
- Average total assets
- $183.6M
- Average total loans
- $133.9M
- Average interest-bearing deposits
- $129.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1693
- Fed RSSD
- 423636
- Website
- www.ubank.bank →
- Parent Holding Company
- U BANCSHARES, INC. (RSSD 6041582)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Ubank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Ubank's total assets moved between a low of $138.3M (Q3 2023) and a high of $182.8M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$182.8M total assets against $169.0M; $159.3M total liabilities against $146.4M.
$131.2M net loans and leases against $128.8M; $158.4M total deposits against $145.1M.
$11.1M securities against $11.0M; $34.7M cash and balances due against $23.0M.
$2.8M total interest income against $2.7M; $913K total interest expense against $895K.
$1.9M net interest income against $1.8M.
$110K total noninterest income against $118K; $1.3M total noninterest expense against $1.2M.
-$20K provision for credit losses against $69K.
$556K net income against $444K.
1.21% return on assets against 1.07%; 4.33% net interest margin against 4.45%.
13.14% tier 1 leverage ratio against 14.10%.
Inside the full Ubank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Ubank rankings
Its closest position to the top of a national ranking is 1,692 of 3,640, for Texas Ratio; its furthest is 3,081 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.67% (Q4 2024) to 1.37% (Q3 2025) and its net interest margin ran from 4.01% (Q3 2024) to 4.56% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.14% | 1.21% | 0.68% | 3.56% | 4.33% |
| Q1 2026 | 13.33% | 1.18% | 0.66% | 3.57% | 4.10% |
| Q4 2025 | 13.21% | 1.30% | 0.68% | 3.63% | 4.24% |
| Q3 2025 | 13.65% | 1.37% | 0.72% | 3.72% | 4.56% |
| Q2 2025 | 14.10% | 1.07% | 0.72% | 3.82% | 4.45% |
| Q1 2025 | 14.02% | 0.94% | 0.75% | 3.90% | 4.23% |
| Q4 2024 | 13.36% | 0.67% | 0.00% | 0.00% | 4.28% |
| Q3 2024 | 13.99% | 0.79% | 0.07% | 0.38% | 4.01% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Ubank (main office) | Knoxville , TN | 37934 | $97.6M |
| Jellico Branch | Jellico , TN | 37762 | $60.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TN, rank 127 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 57 applications, 47 loans originated, $8.3M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Ubank
What are Ubank's total assets?
As of the Q2 2026 filing, Ubank reported total assets of $182.8 million in its FFIEC call report.
Where is Ubank headquartered?
It is headquartered in Knoxville, TN, United States.
When was Ubank founded?
It was established in 1918, per the FDIC institution directory.
Is Ubank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1693). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Ubank?
Ubank's primary federal regulator is the FDIC.
How many branches does Ubank operate?
It 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 Ubank's Texas Ratio?
Its Texas Ratio is 3.56% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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