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Ubank
Huntington, TX · FDIC Certificate #18344 · Chartered 01/2
Total assets
$1.05B
Total deposits
$945.73M
Total equity
$90.80M
Net loans
$846.66M
Branches (offices)
8
Net income (YTD)
$6.84M
Rank: #1,008 of 4,213 U.S. banks by assets · #88 of 346 in Texas. Assets changed 26.8% and deposits 32.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.42% |
| Return on equity | 15.65% |
| Net interest margin (YTD) | 4.71% |
| Equity to assets | 8.68% |
| Tier 1 leverage ratio | 10.46% |
| Uninsured deposits (share of deposits) | 34.8% |
| Noncurrent loans (share of loans) | 0.46% |
| Net charge-offs (share of loans) | 0.07% |
| Loans to deposits | 89.5% |
| Real estate loans (share of loans) | 79.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $675.01M | 79.7% | |
| Commercial & industrial | $174.82M | 20.6% | |
| Consumer / individual | $7.07M | 0.8% | |
| Construction & development | $188.25M | 22.2% | |
| Agricultural | $1.95M | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $464.15M | $395.41M | $1.24M | $51.03M |
| Jun 2023 | $630.41M | $534.00M | $3.10M | $57.09M |
| Jun 2024 | $694.83M | $596.09M | $3.88M | $64.78M |
| Jun 2025 | $825.19M | $714.13M | $6.06M | $77.27M |
| Jun 2026 | $1.05B | $945.73M | $6.84M | $90.80M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $945.73M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $945.73M.
Similar-sized banks
Magyar Bank ($1.05B) · Brentwood Bank ($1.05B)
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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