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Ubank
Knoxville, TN · FDIC Certificate #1693 · Chartered 01/0
Total assets
$182.75M
Total deposits
$158.41M
Total equity
$23.45M
Net loans
$131.18M
Branches (offices)
2
Net income (YTD)
$1.09M
Rank: #3,093 of 4,213 U.S. banks by assets · #94 of 109 in Tennessee. Assets changed 8.1% and deposits 9.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.20% |
| Return on equity | 9.31% |
| Net interest margin (YTD) | 4.29% |
| Equity to assets | 12.83% |
| Tier 1 leverage ratio | 13.14% |
| Uninsured deposits (share of deposits) | 43.7% |
| Noncurrent loans (share of loans) | 0.68% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 82.8% |
| Real estate loans (share of loans) | 88.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $115.96M | 88.4% | |
| Commercial & industrial | $12.58M | 9.6% | |
| Consumer / individual | $3.48M | 2.7% | |
| Construction & development | $21.65M | 16.5% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $113.15M | $99.91M | -$320.00K | $12.26M |
| Jun 2023 | $130.48M | $114.47M | $325.00K | $14.78M |
| Jun 2024 | $155.23M | $134.66M | $521.00K | $19.17M |
| Jun 2025 | $169.03M | $145.11M | $828.00K | $22.59M |
| Jun 2026 | $182.75M | $158.41M | $1.09M | $23.45M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $158.41M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $158.41M.
Similar-sized banks
First Security Bank - Sleepy Eye ($182.79M) · The Putnam County National Bank Of Carmel ($182.71M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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