BlastPoint

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

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 +9.6% year over year ($790.8M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 0.15%.
  • Efficiency ratio 96.52% vs a 59.73% peer average.
  • Loan-to-deposit ratio 80.29% 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) →

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 0.87% below tier average

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 13.3% in tier
  • - NIB Deposit Bleed: Bottom 17.4% in tier
  • - Return on Assets 1.24% below tier average
  • - Net Interest Margin 1.41% below tier average
Get updates when United Texas Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $1.1B
+4.4% YoY +2.9% QoQ
-$1.7B $2.8B
-0.6% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
Bottom 5.1% in tier
Total Loans ? $634.9M
+20.2% YoY -0.5% QoQ
-$1.3B $2.0B
-0.3% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
Bottom 5.3% in tier
Total Deposits ? $790.8M
+9.6% YoY +3.8% QoQ
-$1.5B $2.3B
-0.5% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
Bottom 1.7% in tier
Return on Assets ? 0.15%
-90.0% YoY -36.1% QoQ
-1.24% 1.39%
+17.0% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
Bottom 2.6% in tier
Net Interest Margin ? 2.46%
-28.1% YoY +0.2% QoQ
-1.41% 3.87%
+6.2% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
Bottom 4.1% in tier
Efficiency Ratio ? 96.52%
+68.1% YoY +6.9% QoQ
+36.79% 59.73%
-12.6% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
Bottom 0.9% in tier
Delinquency Rate ? 0.00%
-100.0% YoY -100.0% QoQ
-0.87% 0.87%
+11.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 80.29%
+9.7% YoY -4.2% QoQ
-4.75% 85.04%
-0.1% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
67%
Non-Interest-Bearing Deposit Share ? 10.78%
-24.5% YoY -19.0% QoQ
-10.49% 21.27%
-1.5% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Bottom 12.1% in tier
Nonperforming Asset Ratio ? 1.47%
-18.8% YoY -5.0% QoQ
+0.79% 0.67%
+11.7% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
Bottom 11.0% in tier
Tier 1 Capital Ratio ? 16.02%
-0.5% YoY +1.7% QoQ
+1.17% 14.84%
-0.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
81%
Non-Interest Income / Assets ? 0.27%
-63.4% YoY +37.6% QoQ
-0.26% 0.53%
+2.5% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
45%

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 10.8%
-3.5pp YoY
-2.5pp QoQ
 -10.6pp 21.4% 29.2% 22.2% 12%
Brokered Deposits 6.0%
-6.9pp YoY
-1.2pp QoQ
 -3.4pp 9.5% 8.0% 8.5% 54%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 13.9%
+3.6pp YoY
+3.2pp QoQ
 -0.1pp 14.0% 14.8% 12.5% 63%
CRE n/a n/a 50.0% 48.4% 41.4% n/a
1-4 Family 21.9%
+14.6pp YoY
-1.8pp QoQ
 -4.5pp 26.4% 25.8% 31.3% 47%
Consumer 0.1%
0.0pp YoY
0.0pp QoQ
 -4.6pp 4.7% 4.7% 5.0% 13%

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 16.0%
-0.1pp YoY
+0.3pp QoQ
 +4.7pp 11.3% 12.6% 12.6% 95%
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 82
-8 (-8.9%) YoY
-4 (-4.7%) QoQ
 -232 313 186 482 4%
Assets per Employee ($) $12.8M
+14.6% YoY
+7.9% QoQ
 +$2.4M $10.5M $10.1M $8.8M 82%
Branch Count 3
0 YoY
0 QoQ
 -17 20 12 18 8%

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 0.4%
-3.1pp YoY
-0.1pp QoQ
 -0.4pp 0.8% 1.0% 1.0% 39%
Allowance Coverage n/a n/a 18.71x 18.82x 20.23x n/a
Net Charge-off Rate (YTD) -0.3%
+0.3pp QoQ
 -0.6pp 0.3% 0.1% 0.2% 0%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 1.0%
-8.8pp YoY
-0.5pp QoQ
 -11.6pp 12.6% 13.2% 11.6% 2%
Cost of Funds (YTD) 2.9%
0.0pp YoY
0.0pp QoQ
 +1.0pp 1.9% 1.6% 1.7% 94%
Net Income ($, YTD) $813,000
-90.0% YoY
— QoQ
 -$18.4M $19.2M $15.9M $40.4M 2%

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
#9 of 60 • Bottom 13.3% in tier

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

Why this signature
Efficiency Ratio: 96.52%
(Tier: 59.73%, National: 70.05%)
worse than tier avg
60 of 60 Mid-Market banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank declining

NIB Deposit Bleed

decline
#9 of 46 • Bottom 17.4% 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: 10.78%
(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 (2 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.87%
#1 of 882 Top 0.1% in $1B-$10B
172
Tier 1 Capital Ratio
capital
Value: 16.02%
Peer Median: 14.84%
#172 of 885 Top 19.3% in $1B-$10B

Top Weaknesses (8 metrics)

878
Efficiency Ratio
profitability
Value: 96.52%
Peer Median: 59.73%
#878 of 885 Bottom 0.9% in $1B-$10B
871
Total Deposits
size
Value: $790.84M
Peer Median: $2.32B
#871 of 885 Bottom 1.7% in $1B-$10B
863
Return on Assets
profitability
Value: 0.15%
Peer Median: 1.39%
#863 of 885 Bottom 2.6% in $1B-$10B
850
Net Interest Margin
profitability
Value: 2.46%
Peer Median: 3.87%
#850 of 885 Bottom 4.1% in $1B-$10B
841
Total Assets
size
Value: $1.05B
Peer Median: $2.79B
#841 of 885 Bottom 5.1% in $1B-$10B
839
Total Loans
size
Value: $634.94M
Peer Median: $1.96B
#839 of 885 Bottom 5.3% in $1B-$10B
789
Nonperforming Asset Ratio
credit_quality
Value: 1.47%
Peer Median: 0.67%
#789 of 885 Bottom 11.0% in $1B-$10B
779
Non-Interest-Bearing Deposit Share
funding
Value: 10.78%
Peer Median: 21.27%
#779 of 885 Bottom 12.1% in $1B-$10B
Powered by BlastPoint © 2026