Unity National Bank of Houston
Also written as UNB of Houston
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Data as of · sourced from FFIEC call reports. How we update
Unity National Bank of Houston is an FDIC-insured commercial bank headquartered in Houston, TX, established in 1985 (FDIC certificate 26351), and it is supervised by the OCC. At Q2 2026 it reported total assets of $224.9M, down 2.2% from Q2 2025, the 243rd largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 8.54% at Q2 2026, above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 26351
- Headquarters
- Houston, TX
- Established
- 1985
- Total assets, Q2 2026
- $224.9M
- Assets vs Q2 2025
- -2.2%
- CET1 ratio, Q2 2026
- 8.54%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 113001242
- Latest call report
- Q2 2026, FFIEC 051 · Unity National Bank of Houston call report
- Asset rank in state
- 243rd of 346 in Texas
Unity National Bank of Houston spends more to run itself than most banks of its size. The Houston, Texas bank had $225 million in assets at June 30, 2026, down 2.2% from a year earlier. It earns about $0.26 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 98 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Earnings fell sharply: quarterly net income of $152,000 was 72% below a year earlier. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.35% of loans from 1.36%. Its margin is thin by comparison: it keeps 2.29 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
As of June 30, 2026, Unity National Bank of Houston reported a CET1 capital ratio of 8.54%, a return on assets of 0.26%, a nonperforming-loan ratio of 0.77% and a Texas ratio of 3.27%. The figures come from its call report filed with the FFIEC.
Unity National Bank of Houston ranks as the 243rd largest of the 346 banks based in Texas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 4.8% to $224.9M, loans rose 3.9% and deposits fell 5.4%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 50.6% of total loans, ahead of owner-occupied commercial real estate loans at 28.7%. Its 2 offices in the FDIC Summary of Deposits are in Houston, TX and Missouri City, TX; its Houston office books 91% of its branch deposits. Judged on its Q2 2026 call report, Unity National Bank of Houston meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2602 Blodgett St, Houston, TX 77004
- County
- Harris
- Metro Area
- Houston-Pasadena-The Woodlands, TX
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 1, 1985
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 42
- Domestic deposits
- $193.5M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- -$107K
- Average total assets
- $229.7M
- Average total loans
- $143.0M
- Average interest-bearing deposits
- $129.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 1, 1985
- FDIC Cert
- 26351
- Fed RSSD
- 853251
- Website
- www.unitybanktexas.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Unity National Bank of Houston's total assets ranged from $183.4M (Q3 2023) to $236.2M (Q1 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
$224.9M total assets against $230.0M; $197.1M total liabilities against $202.6M.
$146.3M net loans and leases against $139.6M; $193.5M total deposits against $199.0M.
$49.5M securities against $54.8M; $15.6M cash and balances due against $14.6M.
$2.6M total interest income against $3.0M; $1.4M total interest expense against $1.4M.
$1.2M net interest income against $1.5M.
$11.1M total noninterest income against $11.7M; $12.1M total noninterest expense against $12.5M.
$0 provision for credit losses against $108K.
$152K net income against $552K.
0.26% return on assets against 1.01%; 2.29% net interest margin against 3.11%.
8.54% CET1 capital ratio against 18.05%; 12.07% tier 1 leverage ratio against 14.68%.
Inside the full Unity National Bank of Houston terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeUnity National Bank of Houston rankings
Its closest position to the top of a national ranking is 1,785 of 3,640, for Texas Ratio; its furthest is 2,134 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.26% (Q2 2026) to 3.38% (Q4 2024) and its net interest margin ran from 2.29% (Q2 2026) to 3.21% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 8.54% | 0.26% | 0.77% | 3.27% | 2.29% |
| Q1 2026 | 18.88% | 0.72% | 1.18% | 6.19% | 2.50% |
| Q4 2025 | 20.87% | 1.41% | 1.53% | 7.78% | 3.21% |
| Q3 2025 | 19.26% | 0.40% | 1.32% | 10.02% | 2.63% |
| Q2 2025 | 18.05% | 1.01% | 1.49% | 11.29% | 3.11% |
| Q1 2025 | 17.53% | 0.75% | 2.32% | 14.31% | 2.76% |
| Q4 2024 | 17.68% | 3.38% | 3.83% | 10.32% | 2.80% |
| Q3 2024 | 17.28% | 1.18% | 2.45% | 1.22% | 3.03% |
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 |
|---|---|---|---|
| Unity National Bank of Houston (main office) | Houston , TX | 77004 | $175.9M |
| Missouri Branch | Missouri City , TX | 77489 | $17.6M |
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 |
|---|---|---|---|
| August 2, 1985 | Structure Change | Acquired Riverside National Bank of Houston Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 1, 1985 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
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.
- Enforcement actions
- 3 against the institution (OCC); 1 against individuals associated with it
- August 30, 2022, OCC: Formal Agreement: Unity National Bank of Houston
- October 2, 2003, OCC: Formal Agreement: Unity National Bank of Houston
- April 29, 1991, OCC: Formal Agreement: Unity National Bank Of Houston
- Period: Most recent institution action August 30, 2022. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 297 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 3 loans, $1.2M approved, $405K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), 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 Unity National Bank of Houston
What are Unity National Bank of Houston's total assets?
As of the Q2 2026 filing, Unity National Bank of Houston reported total assets of $224.9 million in its FFIEC call report.
Where is Unity National Bank of Houston headquartered?
It is headquartered in Houston, TX, United States.
When was Unity National Bank of Houston founded?
It was established in 1985, per the FDIC institution directory.
Is Unity National Bank of Houston FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #26351). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Unity National Bank of Houston?
Unity National Bank of Houston's primary federal regulator is the OCC.
What is Unity National Bank of Houston's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 8.54% in its Q2 2026 call report, above the 7% level required once the capital conservation buffer is included.
How many branches does Unity National Bank of Houston 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 Unity National Bank of Houston's Texas Ratio?
Its Texas Ratio is 3.27% 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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