Total Assets
$1.1B
Total balance-sheet footings
FDIC Cert #26626 · Dallas, Texas · Est. 1986
United Texas Bank - FDIC Bank Health Profile
A community-scale look at United Texas Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.1B
- Total assets
- A
- Health grade · Excellent
- 0.94%
- Return on assets
- 15.5%
- Tier 1 capital
Data updated July 2026
The verdict
United Texas Bank earns a PlainBankData health grade of A (82/100), with well-capitalized at 15.50% Tier 1, 0.94% ROA, 67% efficiency ratio.
- #965
- largest of 4,313 FDIC banks by assets
- 78th
- percentile by asset size, nationally
- 15.50%
- Tier 1 ratio - above the 10% well-capitalized line
- 38th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How United Texas Bank's 82/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
United Texas Bank's composite health score
Tier 1 Capital Ratio (15.50%) 40/40
Return on Assets (ROA) (0.94%) 14/25
Texas Ratio (0.20%) 20/20
Efficiency Ratio (67.47%) 8/15
82 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$812M
Customer-funded liabilities
Net Loans
$585M
Outstanding loan book
Net Income
$10M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where United Texas Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. United Texas Bank's score of 82/100 falls in the highlighted band.
United Texas Bank'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). United Texas Bank's $1.1B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
15.50% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
15.50%
Texas Ratio
0.20%
Equity Capital
$172M
Profitability metrics
Return on Assets (ROA)
38th percentile nationally
0.94%
Return on Equity (ROE)
5.92%
Efficiency Ratio
67.47%
What the numbers say about United Texas Bank
United Texas Bank is an FDIC-insured institution (Certificate #26626) headquartered in Dallas, Texas, established in 1986. It holds $1.1B in total assets - 965th of 4,313 FDIC-insured banks, $812M in customer deposits, and $585M in net loans. Capital-wise, the Tier 1 ratio sits at 15.50%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.20%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (82 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
United Texas Bank sits 83rd of 350 banks headquartered in Texas by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$62M
Interest Income
$13M
Non-Interest Income
$30M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. United Texas Bank reports a Texas Ratio of 0.20% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.20% - 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) United Texas Bank (FDIC Cert #26626) - 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 United Texas Bank's health grade?▼
United Texas Bank receives a health grade of A (82/100) 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 United Texas Bank?▼
United Texas Bank holds $1.1B in total assets and $812M in deposits, ranking 965th of 4,313 FDIC-insured banks by asset size. It is headquartered in Dallas, Texas.
Is my money safe at United Texas Bank?▼
Yes, deposits at United Texas Bank (Certificate #26626) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is United Texas Bank's Tier 1 Capital Ratio?▼
United Texas Bank has a Tier 1 Capital Ratio of 15.50%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for United Texas Bank?▼
United Texas Bank has a Texas Ratio of 0.20%. 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 United Texas Bank?▼
United Texas Bank has an Efficiency Ratio of 67.47%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read United Texas Bank's profile as a depositor or analyst.
- United Texas Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare United Texas Bank 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.