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

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
Deposits -2.8% year over year ($193.5M on the books).
Delinquency rate 0.78%.
Return on assets 0.40%.
Efficiency ratio 97.67% vs a 64.48% peer average.
Loan-to-deposit ratio 75.59% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 219 in TX

View $100M-$1B leaderboard (TX) →

Unity National Bank of Houston has 3 strengths but faces 3 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 25.3% in tier
+ Non-Interest-Bearing Deposit Share 13.47% above tier average
+ Delinquency Rate 0.14% below tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 16.3% in tier
- Return on Assets 0.93% below tier average
- Net Interest Margin 1.69% below tier average

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

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$224.9M -2.2% YoY -4.8% QoQ	-$161.7M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	32%
Total Loans ?	$146.3M +4.8% YoY +4.0% QoQ	-$112.1M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	34%
Total Deposits ?	$193.5M -2.8% YoY -5.4% QoQ	-$133.2M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	33%
Return on Assets ?	0.40% -55.4% YoY -45.7% QoQ	-0.93%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	Bottom 9.7% in tier
Net Interest Margin ?	2.29% -23.5% YoY -9.1% QoQ	-1.69%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	Bottom 1.9% in tier
Efficiency Ratio ?	97.67% +3.7% YoY +1.7% QoQ	+33.19%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Bottom 2.6% in tier
Delinquency Rate ?	0.78% -48.3% YoY -34.9% QoQ	-0.14%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	35%
Loan-to-Deposit Ratio ?	75.59% +7.8% YoY +9.9% QoQ	-2.36%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	59%
Non-Interest-Bearing Deposit Share ?	35.50% +193.6% YoY +216.4% QoQ	+13.47%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	Top 9.3% in tier
Nonperforming Asset Ratio ?	0.71% -53.5% YoY -21.7% QoQ	+0.04%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	30%
Tier 1 Capital Ratio ?	15.45% -46.6% YoY -50.2% QoQ	-0.46%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	69%
Non-Interest Income / Assets ?	10.21% +0.2% YoY +103.3% QoQ	+9.64%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	Top 0.5% in tier

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	35.5% +23.4pp YoY +24.3pp QoQ	+13.4pp	22.1%	29.2%	22.2%	91%
Brokered Deposits	31.9% -5.8pp YoY -9.2pp QoQ	+24.1pp	7.9%	8.0%	8.5%	97%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	51.3% -15.6pp YoY -0.6pp QoQ	+39.8pp	11.6%	14.8%	12.5%	99%
CRE	43.6% +15.3pp YoY +1.2pp QoQ	+4.0pp	39.5%	48.4%	41.4%	59%
1-4 Family	4.8% -1.3pp YoY -0.5pp QoQ	-27.8pp	32.6%	25.8%	31.3%	5%
Consumer	0.2% 0.0pp YoY 0.0pp QoQ	-3.9pp	4.1%	4.7%	5.0%	8%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	8.5% -9.6pp YoY -11.0pp QoQ	-10.3pp	18.8%	22.7%	19.7%	0%
Leverage Ratio	12.0% -2.7pp YoY -1.6pp QoQ	-0.1pp	12.2%	12.6%	12.6%	65%
Total Capital Ratio	16.7% -13.5pp YoY -15.6pp QoQ	-3.3pp	19.9%	23.8%	20.8%	54%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	42 0 YoY -1 (-2.3%) QoQ	-17	58	186	482	44%
Assets per Employee ($)	$5.4M -2.2% YoY -2.5% QoQ	-$2.2M	$7.5M	$10.1M	$8.8M	20%
Branch Count	2 0 YoY 0 QoQ	-3	4	12	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	0.8% -0.2pp YoY 0.0pp QoQ	-0.2pp	0.9%	1.0%	1.0%	65%
Allowance Coverage	1.84x +95.2% YoY +51.9% QoQ	-22.31x	24.15x	18.82x	20.23x	45%
Net Charge-off Rate (YTD)	-0.1% -0.9pp YoY 0.0pp QoQ	-0.3pp	0.1%	0.1%	0.2%	2%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	3.3% -3.6pp YoY -2.9pp QoQ	-8.9pp	12.2%	13.2%	11.6%	9%
Cost of Funds (YTD)	2.7% 0.0pp YoY 0.0pp QoQ	+1.0pp	1.7%	1.6%	1.7%	94%
Net Income ($, YTD)	$454,000 -51.5% YoY — QoQ	-$2.1M	$2.6M	$15.9M	$40.4M	10%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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

#168 of 661 • Top 25.3% 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: 10.21%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 0.40%

(Tier: 1.32%, National: 1.30%)

but worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (1)

Efficiency Drag

risk

#60 of 361 • Bottom 16.3% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 97.67%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 10.21%

Peer Median: 0.57%

#14 of 2643 Top 0.5% in $100M-$1B

247

Non-Interest-Bearing Deposit Share

funding

Value: 35.50%

Peer Median: 22.03%

#247 of 2643 Top 9.3% in $100M-$1B

Top Weaknesses (3 metrics)

2595

Net Interest Margin

profitability

Value: 2.29%

Peer Median: 3.99%

#2595 of 2643 Bottom 1.9% in $100M-$1B

2574

Efficiency Ratio

profitability

Value: 97.67%

Peer Median: 64.48%

#2574 of 2643 Bottom 2.6% in $100M-$1B

2387

Return on Assets

profitability

Value: 0.40%

Peer Median: 1.32%

#2387 of 2643 Bottom 9.7% in $100M-$1B