Unity National Bank of Houston: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Capital moved notably last quarter, CET1 ratio of 8.48% was down 1100bps from the prior quarter. Unity National Bank of Houston is an FDIC-insured commercial bank. The Q2 2026 balance sheet stands at $225M in assets, including $148M in loans. Returns are subdued: 0.06% ROA and 0.47% ROE. Capital is comfortably above regulatory requirements, CET1 ratio of 8.48% sits well above the 7% level required once the capital conservation buffer is included. Asset quality is solid, 0.77% nonperforming loans and a 5.34% Texas Ratio. 2 branches make up the footprint.
As of June 30, 2026, Unity National Bank of Houston reported a CET1 capital ratio of 8.48%, a return on assets of 0.06%, a nonperforming-loan ratio of 0.77%, a Texas ratio of 5.34%, per financial data filed with the FFIEC.
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
- Offices
- 2 domestic
- Employees (FTE)
- 42
- Domestic deposits
- $193.5M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- -$107K
- 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
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Unity National Bank of Houston terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Unity National Bank of Houston, freeUnity National Bank of Houston rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 8.48% | 0.06% | 0.77% | 5.34% | 2.09% |
| Q1 2026 | 19.48% | 0.72% | 0.73% | 7.43% | 2.50% |
| Q4 2025 | 21.39% | 1.41% | 1.23% | 8.48% | 3.21% |
| Q3 2025 | 19.26% | 0.40% | 0.97% | 10.72% | 2.63% |
| Q2 2025 | 18.05% | 1.01% | 0.92% | 11.89% | 3.11% |
| Q1 2025 | 17.53% | 0.75% | 1.15% | 14.94% | 2.76% |
| Q4 2024 | 17.68% | 3.38% | 2.19% | 16.98% | 2.80% |
| Q3 2024 | 17.28% | 1.18% | 2.45% | 9.75% | 3.03% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 2 branches →
| 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
What the public regulatory sources show for Unity National Bank of Houston, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Unity National Bank of Houston headquartered?
Unity National Bank of Houston is headquartered in Houston, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Unity National Bank of Houston founded?
Unity National Bank of Houston was established in 1985, per the FDIC institution directory.
Is Unity National Bank of Houston FDIC-insured?
Yes. Unity National Bank of Houston 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Unity National Bank of Houston's CET1 capital ratio?
Unity National Bank of Houston reported a Common Equity Tier 1 (CET1) capital ratio of 8.48% 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?
Unity National Bank of Houston 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?
Unity National Bank of Houston's Texas Ratio is 5.34% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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