Ubank (Huntington, TX)
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Data as of · sourced from FFIEC call reports. How we update
Ubank is an FDIC-insured commercial bank headquartered in Huntington, TX, established in 1961 (FDIC certificate 18344), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.05B, up 26.8% from Q2 2025, the 88th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.46% 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
- 18344
- Headquarters
- Huntington, TX
- Established
- 1961
- Total assets, Q2 2026
- $1.05B
- Assets vs Q2 2025
- +26.8%
- Tier 1 leverage ratio, Q2 2026
- 10.46%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 113123667
- Holding company
- UBANK HOLDINGS, INC.
- Asset rank in state
- 88th of 346 in Texas
Ubank earns an unusually wide margin on its lending. Based in Huntington, Texas, it had $1.0 billion in assets at June 30, 2026, up 26.8% from a year earlier. It keeps 5.48 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). On the other hand, it holds commercial real estate loans worth 4.4 times its capital, about double the median of 2.2 times for banks its size.
The non-owner-occupied commercial real estate book ($180 million) is worsening: 2.04% of it is past due or on nonaccrual, up from 0.12% a year earlier. Net income for the quarter rose 12% from a year earlier, to $3.5 million.
As of June 30, 2026, Ubank reported a return on assets of 1.58%, a nonperforming-loan ratio of 0.46% and a Texas ratio of 5.60%. The figures come from its call report filed with the FFIEC.
Ubank ranks as the 88th largest of the 346 banks based in Texas, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 11.1% to $1.05B, loans rose 16.7% and deposits rose 12.3%. Its loan book on June 30, 2026 was led by construction and land development loans, at 22.0% of total loans, followed by non-owner-occupied commercial real estate loans at 21.0%. Its 8 offices in the FDIC Summary of Deposits are in 7 cities in TX; its Lufkin 2 offices book 56% of its branch deposits. By the capital ratios in its Q2 2026 call report, Ubank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 208 S Us Highway 69, Huntington, TX 75949
- County
- Angelina
- Metro Area
- Lufkin, TX
- 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 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 23, 1961
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 127
- Domestic deposits
- $945.7M
- Allowance for credit losses
- $10.3M
- Net charge-offs (YTD)
- $258K
- Average total assets
- $884.1M
- Average total loans
- $795.2M
- Average interest-bearing deposits
- $681.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 23, 1961
- FDIC Cert
- 18344
- Fed RSSD
- 917555
- SEC CIK
- 1869335 → filed by UBANK HOLDINGS, INC.
- Website
- www.u.bank →
- Parent Holding Company
- UBANK HOLDINGS, INC. (RSSD 1109601)
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
From Q3 2023 to Q2 2026, Ubank's total assets ranged from $631.5M (Q3 2023) to $1.05B (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
$1.05B total assets against $825.2M; $955.6M total liabilities against $747.9M.
$846.7M net loans and leases against $628.6M; $945.7M total deposits against $714.1M.
$25.8M securities against $26.0M; $135.1M cash and balances due against $140.2M.
$16.8M total interest income against $14.3M; $5.0M total interest expense against $5.3M.
$11.8M net interest income against $9.0M.
$1.2M total noninterest income against $1.2M; $7.4M total noninterest expense against $5.6M.
$1.2M provision for credit losses against $665K.
$3.5M net income against $3.1M.
1.58% return on assets against 1.57%; 5.48% net interest margin against 4.65%.
10.46% tier 1 leverage ratio against 9.92%.
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 exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Ubank rankings
Its closest position to the top of a national ranking is 999 of 4,196, for total assets; its furthest is 1,491 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.34% (Q4 2024) to 1.98% (Q3 2024) and its net interest margin ran from 4.40% (Q1 2025) to 5.48% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.46% | 1.58% | 0.46% | 5.60% | 5.48% |
| Q1 2026 | 10.21% | 1.53% | 0.51% | 5.48% | 4.70% |
| Q4 2025 | 10.42% | 1.59% | 0.65% | 5.30% | 4.90% |
| Q3 2025 | 10.06% | 1.53% | 0.61% | 5.02% | 4.69% |
| Q2 2025 | 9.92% | 1.57% | 0.46% | 3.43% | 4.65% |
| Q1 2025 | 10.09% | 1.55% | 1.85% | 13.68% | 4.40% |
| Q4 2024 | 9.95% | 1.34% | 1.70% | 12.65% | 4.43% |
| Q3 2024 | 10.86% | 1.98% | 1.44% | 10.77% | 4.66% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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 |
|---|---|---|---|
| Angelina Branch | Lufkin , TX | 75901 | $457.0M |
| Ubank (main office) | Huntington , TX | 75949 | $111.9M |
| Bullard Branch | Bullard , TX | 75757 | $95.3M |
| Chestnut Office | Lufkin , TX | 75901 | $70.8M |
| Nacogdoches Branch | Nacogdoches , TX | 75965 | $69.7M |
| Tyler Branch | Tyler , TX | 75703 | $69.5M |
| Plano Branch | Plano , TX | 75024 | $48.1M |
| Chandler Branch | Chandler , TX | 75758 | $23.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 1, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 1990 | Structure Change | Acquired Angelina National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 116 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 62 applications, 44 loans originated, $70.2M originated, across 7 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $1.0M approved, $1.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 $1.05 billion in its FFIEC call report.
Where is Ubank headquartered?
It is headquartered in Huntington, TX, United States.
When was Ubank founded?
It was established in 1961, per the FDIC institution directory.
Is Ubank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18344). 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 8 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 5.60% 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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