UBank

BankHuntington, Texas
www.u.bank

Total Assets

$906.2M

Total Deposits

$790.2M

Branches

8

Established

1961

TFS Health Grade

$
D+

68.3 / 100

Below average financial health

How we grade

UBank is a bank headquartered in Huntington, Texas, established in 1961. With $906.2M in total assets and 8 branch locations, it has a TFS Financial Health Grade of D+ (68.3/100).

Capital & Safety

Tier 1 Capital Ratio
10.42%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.65%

Profitability

Return on Assets (ROA)
1.51%(1%)
Return on Equity (ROE)
16.10%(10%)
Net Interest Margin
4.57%
Efficiency Ratio
54.94%(60%)

Lending & Liquidity

Total Loans
$718.7M
Loan-to-Deposit Ratio
89.87%
Net Charge-Off Ratio
0.42%

Growth

Asset Growth (YoY)
+22.06%
Deposit Growth (YoY)
+23.84%
Net Income
$12.4M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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