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UBank

$1B-$10B Specialty: Commercial TX FDIC cert 18344

Designations: ✓ Community bank

Huntington, TX

8 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
  • Deposits +32.4% year over year ($945.7M on the books).
  • Delinquency rate 0.46%.
  • Return on assets 1.42%.
  • Efficiency ratio 56.84% vs a 59.73% peer average.
  • Loan-to-deposit ratio 89.52% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 78 in TX
View $1B-$10B leaderboard (TX) →

UBank has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.84% above tier average
  • + Efficiency Ratio 2.88% below tier average
  • + Delinquency Rate 0.40% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 17.1% in tier
  • - NIB Deposit Bleed: Bottom 26.1% in tier
Get updates when UBank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $1.0B
+26.8% YoY +11.1% QoQ
-$1.7B $2.8B
-0.6% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
Bottom 4.2% in tier
Total Loans ? $846.7M
+34.7% YoY +16.8% QoQ
-$1.1B $2.0B
-0.3% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
18%
Total Deposits ? $945.7M
+32.4% YoY +12.3% QoQ
-$1.4B $2.3B
-0.5% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
Bottom 11.9% in tier
Return on Assets ? 1.42%
-8.4% YoY -1.9% QoQ
+0.03% 1.39%
+17.0% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
64%
Net Interest Margin ? 4.71%
+3.4% YoY +4.8% QoQ
+0.84% 3.87%
+6.2% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
Top 8.8% in tier
Efficiency Ratio ? 56.84%
+3.3% YoY +0.6% QoQ
-2.88% 59.73%
-12.6% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
58%
Delinquency Rate ? 0.46%
+0.6% YoY -10.4% QoQ
-0.40% 0.87%
+11.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
55%
Loan-to-Deposit Ratio ? 89.52%
+1.7% YoY +4.0% QoQ
+4.49% 85.04%
-0.1% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
43%
Non-Interest-Bearing Deposit Share ? 16.37%
-37.6% YoY -36.5% QoQ
-4.90% 21.27%
-1.5% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
33%
Nonperforming Asset Ratio ? 0.54%
+53.9% YoY -3.5% QoQ
-0.13% 0.67%
+11.7% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
41%
Tier 1 Capital Ratio ? 10.46%
+5.4% YoY +2.4% QoQ
-4.38% 14.84%
-0.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
Bottom 10.4% in tier
Non-Interest Income / Assets ? 0.22%
-22.8% YoY +85.9% QoQ
-0.31% 0.53%
+2.5% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
35%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 16.4%
-9.8pp YoY
-9.4pp QoQ
 -5.0pp 21.4% 29.2% 22.2% 32%
Brokered Deposits 17.6%
+4.5pp QoQ
 +8.1pp 9.5% 8.0% 8.5% 86%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 20.6%
-2.9pp YoY
-1.1pp QoQ
 +6.6pp 14.0% 14.8% 12.5% 82%
CRE 65.2%
+5.2pp YoY
+3.1pp QoQ
 +15.2pp 50.0% 48.4% 41.4% 84%
1-4 Family 10.3%
-2.4pp YoY
-1.4pp QoQ
 -16.2pp 26.4% 25.8% 31.3% 17%
Consumer 0.8%
+0.1pp YoY
-0.1pp QoQ
 -3.9pp 4.7% 4.7% 5.0% 40%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 22.7% 19.7% n/a
Leverage Ratio 10.5%
+0.5pp YoY
+0.2pp QoQ
 -0.9pp 11.3% 12.6% 12.6% 49%
Total Capital Ratio n/a n/a 16.7% 23.8% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 127
+22 (+21.0%) YoY
+7 (+5.8%) QoQ
 -187 313 186 482 16%
Assets per Employee ($) $8.2M
+4.8% YoY
+5.0% QoQ
 -$2.2M $10.5M $10.1M $8.8M 44%
Branch Count 8
0 YoY
0 QoQ
 -12 20 12 18 20%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.3% 0.4% n/a
Nonaccrual 0.5%
0.0pp YoY
-0.1pp QoQ
 -0.4pp 0.8% 1.0% 1.0% 45%
Allowance Coverage 2.61x
+3.6% YoY
+8.3% QoQ
 -16.10x 18.71x 18.82x 20.23x 59%
Net Charge-off Rate (YTD) 0.1%
-0.7pp YoY
-0.1pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 60%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 15.7%
-0.7pp YoY
+0.1pp QoQ
 +3.1pp 12.6% 13.2% 11.6% 77%
Cost of Funds (YTD) 2.2%
-0.5pp YoY
-0.1pp QoQ
 +0.3pp 1.9% 1.6% 1.7% 72%
Net Income ($, YTD) $6.8M
+12.9% YoY
— QoQ
 -$12.4M $19.2M $15.9M $40.4M 22%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Quality Pressure

risk
#85 of 492 • Bottom 17.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.46%
(Tier: 0.87%, National: 0.98%)
better than tier avg
492 of 492 Mid-Market banks match · 1820 nationally
→ Stable -71 banks QoQ

NIB Deposit Bleed

decline
#13 of 46 • Bottom 26.1% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 16.37%
(Tier: 21.27%, National: 21.98%)
worse than tier avg
46 of 46 Mid-Market banks match · 211 nationally
↓ Shrinking -26 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

79
Net Interest Margin
profitability
Value: 4.71%
Peer Median: 3.87%
#79 of 885 Top 8.8% in $1B-$10B

Top Weaknesses (4 metrics)

849
Total Assets
size
Value: $1.05B
Peer Median: $2.79B
#849 of 885 Bottom 4.2% in $1B-$10B
794
Tier 1 Capital Ratio
capital
Value: 10.46%
Peer Median: 14.84%
#794 of 885 Bottom 10.4% in $1B-$10B
781
Total Deposits
size
Value: $945.73M
Peer Median: $2.32B
#781 of 885 Bottom 11.9% in $1B-$10B
729
Total Loans
size
Value: $846.66M
Peer Median: $1.96B
#729 of 885 Bottom 17.7% in $1B-$10B
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