Total Assets
$906M
Total balance-sheet footings
FDIC Cert #18344 · Huntington, Texas · Est. 1961
UBank - FDIC Bank Health Profile
A community-scale look at UBank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $906M
- Total assets
- A
- Health grade · Excellent
- 1.51%
- Return on assets
- 10.4%
- Tier 1 capital
Data updated July 2026
The verdict
UBank earns a PlainBankData health grade of A (81/100), with well-capitalized at 10.42% Tier 1, profitable at 1.51% ROA, efficient (55% cost ratio).
- #1,135
- largest of 4,313 FDIC banks by assets
- 74th
- percentile by asset size, nationally
- 10.42%
- Tier 1 ratio - above the 10% well-capitalized line
- 75th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How UBank's 81/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
UBank's composite health score
Tier 1 Capital Ratio (10.42%) 28/40
Return on Assets (ROA) (1.51%) 25/25
Texas Ratio (5.07%) 16/20
Efficiency Ratio (54.94%) 12/15
81 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$790M
Customer-funded liabilities
Net Loans
$710M
Outstanding loan book
Net Income
$12M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where UBank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. UBank's score of 81/100 falls in the highlighted band.
UBank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). UBank's $906M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.42% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.42%
Texas Ratio
5.07%
Equity Capital
$84M
Profitability metrics
Return on Assets (ROA)
75th percentile nationally
1.51%
Return on Equity (ROE)
16.10%
Efficiency Ratio
54.94%
What the numbers say about UBank
UBank is an FDIC-insured institution (Certificate #18344) headquartered in Huntington, Texas, established in 1961. It holds $906M in total assets - 1,135th of 4,313 FDIC-insured banks, $790M in customer deposits, and $710M in net loans. Capital-wise, the Tier 1 ratio sits at 10.42%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 5.07%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (81 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
UBank sits 102nd of 350 banks headquartered in Texas by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$57M
Interest Income
$5M
Non-Interest Income
$22M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. UBank reports a Texas Ratio of 5.07% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
5.07% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Texas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) UBank (FDIC Cert #18344) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Texas
All Texas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Charles Schwab Bank, SSBWestlake | $253.8B | A | 0.94% |
| Frost BankSan Antonio | $53.1B | A | 1.26% |
| Prosperity BankEl Campo | $38.5B | A | 1.44% |
| Texas Capital BankDallas | $31.3B | A | 1.10% |
| Charles Schwab Premier Bank, SSBWestlake | $27.0B | A | 1.47% |
| First Financial BankAbilene | $15.4B | A | 1.64% |
| NexBankDallas | $13.9B | A | 1.17% |
| PlainsCapital BankUniversity Park | $12.7B | B | 1.05% |
Frequently asked questions
What is UBank's health grade?▼
UBank receives a health grade of A (81/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is UBank?▼
UBank holds $906M in total assets and $790M in deposits, ranking 1,135th of 4,313 FDIC-insured banks by asset size. It is headquartered in Huntington, Texas.
Is my money safe at UBank?▼
Yes, deposits at UBank (Certificate #18344) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is UBank's Tier 1 Capital Ratio?▼
UBank has a Tier 1 Capital Ratio of 10.42%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for UBank?▼
UBank has a Texas Ratio of 5.07%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is UBank?▼
UBank has an Efficiency Ratio of 54.94%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read UBank's profile as a depositor or analyst.
- UBank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare UBank against other Texas banks before moving funds. Texas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.