C
UBank
Rating Date
April 2025
Risk Based
Capital Ratio
--
Leverage
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Assets
Capital
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Major Rating Factors: A current level of 13.8 percent of nonperforming loans to core capital combined with 4.6 percent from a year earlier contributes to the Weak asset quality (3.0). Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.4 has resulted in Good (6.5) profitability.
Other Rating Factors: Excellent current capitalization (8.4 on a scale of 0 to 10) and a capital leverage ratio of 10.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10).
Asset Mix: Comm re (29%), comm loans (17%), cash (12%), home mtgs (11%), securities (4%), consumer loans (1%), other (27%)
States with Branches: TX
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Liquidity
Liquidity Ratio
Hot Money
Corporate Info
Group Affiliation
Ubank Holdings, Inc.
Investment Rating
--
Address
208 U.S. Highway 69 South
Huntington, TX 75949
Phone Number
(936) 422-3000
Year Founded
1961
FDIC Number
Largest Affiliates
No affiliate information available.