BlastPoint's Banking Scorecard

United Texas Bank, National Association

$1B-$10B Specialty: Commercial TX FDIC cert 26626

Designations: ✓ Community bank

Dallas, TX

3 branches across TX

884 banks in the $1B-$10B peer group nationally 80 in TX

United Texas Bank, National Association has 1 strength but faces 4 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

+ Delinquency Rate 0.83% below tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 5.4% in tier
- NIB Deposit Bleed: Bottom 19.4% in tier
- Return on Assets 1.12% below tier average
- Net Interest Margin 1.37% below tier average

Get updates when United Texas Bank, National Association releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$1.0B -2.6% YoY -6.2% QoQ	-$1.8B	$2.8B -0.1% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Bottom 2.5% in tier
Total Loans ?	$638.4M +26.9% YoY +9.2% QoQ	-$1.3B	$2.0B +0.6% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Bottom 6.0% in tier
Total Deposits ?	$761.7M +3.2% YoY -6.2% QoQ	-$1.6B	$2.3B -0.3% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Bottom 1.6% in tier
Return on Assets ?	0.24% -89.2% YoY -74.3% QoQ	-1.12%	1.37% +19.6% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	Bottom 4.3% in tier
Net Interest Margin ?	2.45% -41.8% YoY -18.5% QoQ	-1.37%	3.82% +6.9% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Bottom 4.9% in tier
Efficiency Ratio ?	90.26% +86.3% YoY +33.8% QoQ	+29.20%	61.06% -4.6% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	Bottom 2.7% in tier
Delinquency Rate ?	0.06% -98.1% YoY -8.4% QoQ	-0.83%	0.89% +14.1% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Top 7.7% in tier
Loan-to-Deposit Ratio ?	83.82% +22.9% YoY +16.4% QoQ	-0.38%	84.20% +0.3% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	56%
Non-Interest-Bearing Deposit Share ?	13.30% -22.1% YoY -17.2% QoQ	-7.99%	21.29% -2.5% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	21%
Nonperforming Asset Ratio ?	1.55% -9.1% YoY +6.6% QoQ	+0.87%	0.67% +15.6% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	Bottom 10.9% in tier
Tier 1 Capital Ratio ?	15.75% +2.4% YoY +1.6% QoQ	+0.59%	15.16% +2.0% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	79%
Non-Interest Income / Assets ?	0.20% -51.3% YoY -83.5% QoQ	-0.06%	0.26% +1.6% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	71%

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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 (0)

No matched strength signatures this quarter

Concerns (2)

Efficiency Drag

risk

#5 of 74 • Bottom 5.4% in tier

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

Why this signature

Efficiency Ratio: 90.26%

(Tier: 61.06%, National: 66.95%)

worse than tier avg

74 of 74 Mid-Market banks match · 492 nationally

→ Stable

NIB Deposit Bleed

decline

#8 of 36 • Bottom 19.4% 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: 13.30%

(Tier: 21.29%, National: 22.01%)

worse than tier avg

36 of 36 Mid-Market banks match · 238 nationally

↓ Shrinking -31 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 884 peers in $1B-$10B

Top Strengths (2 metrics)

Delinquency Rate

credit_quality

Value: 0.06%

Peer Median: 0.89%

#69 of 880 Top 7.7% in $1B-$10B

191

Tier 1 Capital Ratio

capital

Value: 15.75%

Peer Median: 15.16%

#191 of 884 Top 21.5% in $1B-$10B

Top Weaknesses (8 metrics)

871

Total Deposits

size

Value: $761.66M

Peer Median: $2.34B

#871 of 884 Bottom 1.6% in $1B-$10B

863

Total Assets

size

Value: $1.02B

Peer Median: $2.82B

#863 of 884 Bottom 2.5% in $1B-$10B

861

Efficiency Ratio

profitability

Value: 90.26%

Peer Median: 61.06%

#861 of 884 Bottom 2.7% in $1B-$10B

847

Return on Assets

profitability

Value: 0.24%

Peer Median: 1.37%

#847 of 884 Bottom 4.3% in $1B-$10B

842

Net Interest Margin

profitability

Value: 2.45%

Peer Median: 3.82%

#842 of 884 Bottom 4.9% in $1B-$10B

832

Total Loans

size

Value: $638.45M

Peer Median: $1.96B

#832 of 884 Bottom 6.0% in $1B-$10B

789

Nonperforming Asset Ratio

credit_quality

Value: 1.55%

Peer Median: 0.67%

#789 of 884 Bottom 10.9% in $1B-$10B

701

Non-Interest-Bearing Deposit Share

funding

Value: 13.30%

Peer Median: 21.29%

#701 of 884 Bottom 20.8% in $1B-$10B