BlastPoint's Banking Scorecard

Unity National Bank of Houston

$100M-$1B Specialty: Commercial TX FDIC cert 26351

Designations: ✓ Minority Depository Institution

Houston, TX

2 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX

Unity National Bank of Houston has 1 strength but faces 6 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

+ Revenue Diversifier: Top 18.2% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 12.3% in tier
- NIB Deposit Bleed: Bottom 34.3% in tier
- Net Interest Margin 1.41% below tier average
- Efficiency Ratio 30.77% above tier average
- ROA 0.54% below tier average
- Delinquency Rate 0.31% above tier average

Get updates when Unity National Bank of Houston releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$236.2M +16.6% YoY +3.7% QoQ	-$149.9M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	34%
Total Loans ?	$140.7M +21.3% YoY +3.8% QoQ	-$115.0M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	33%
Total Deposits ?	$204.5M +20.0% YoY +3.8% QoQ	-$123.4M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	35%
Return on Assets ?	0.73% -4.5% YoY -20.5% QoQ	-0.54%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	22%
Net Interest Margin ?	2.52% -12.4% YoY -16.5% QoQ	-1.41%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Bottom 3.4% in tier
Efficiency Ratio ?	96.06% +2.3% YoY +2.4% QoQ	+30.77%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	Bottom 3.5% in tier
Delinquency Rate ?	1.20% -49.3% YoY -22.9% QoQ	+0.31%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	24%
Loan-to-Deposit Ratio ?	68.78% +1.0% YoY +0.0% QoQ	-7.86%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	69%
Non-Interest-Bearing Deposit Share ?	11.22% -21.3% YoY -17.9% QoQ	-10.80%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Bottom 13.3% in tier
Nonperforming Asset Ratio ?	0.90% -56.6% YoY -19.4% QoQ	+0.26%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	22%
Tier 1 Capital Ratio ?	31.03% +9.2% YoY -7.8% QoQ	+15.20%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	Top 3.4% in tier
Non-Interest Income / Assets ?	5.02% -13.0% YoY -73.3% QoQ	+4.74%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Top 0.5% in tier

Get Full Access to Unity National Bank of Houston

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (1)

Revenue Diversifier

growth

#122 of 666 • Top 18.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 5.02%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 0.73%

(Tier: 1.27%, National: 1.23%)

but worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (2)

Liquidity Overhang

risk

#92 of 739 • Bottom 12.3% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 31.03%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 68.78%

(Tier: 76.64%, National: 76.70%)

better than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

NIB Deposit Bleed

decline

#69 of 198 • Bottom 34.3% 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: 11.22%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 5.02%

Peer Median: 0.28%

#14 of 2664 Top 0.5% in $100M-$1B

Tier 1 Capital Ratio

capital

Value: 31.03%

Peer Median: 15.83%

#91 of 2664 Top 3.4% in $100M-$1B

Top Weaknesses (6 metrics)

2574

Net Interest Margin

profitability

Value: 2.52%

Peer Median: 3.93%

#2574 of 2664 Bottom 3.4% in $100M-$1B

2573

Efficiency Ratio

profitability

Value: 96.06%

Peer Median: 65.29%

#2573 of 2664 Bottom 3.5% in $100M-$1B

2311

Non-Interest-Bearing Deposit Share

funding

Value: 11.22%

Peer Median: 22.02%

#2311 of 2664 Bottom 13.3% in $100M-$1B

2072

Return on Assets

profitability

Value: 0.73%

Peer Median: 1.27%

#2072 of 2664 Bottom 22.3% in $100M-$1B

2071

Nonperforming Asset Ratio

credit_quality

Value: 0.90%

Peer Median: 0.64%

#2071 of 2664 Bottom 22.3% in $100M-$1B

2011

Delinquency Rate

credit_quality

Value: 1.20%

Peer Median: 0.89%

#2011 of 2654 Bottom 24.3% in $100M-$1B