C
UBank
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings UBank
Huntington, TX
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Rating C
Asset Quality Index 3.70
Capitalization Index 8.60
Liquidity Index 0.80
Profitability Index 7.70
Stability Index 6.70
Company Info UBank
Huntington, TX
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FDIC Number 18344
Phone Number (936) 422-3000
Website www.u.bank
Asset Quality UBank
Huntington, TX
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1-Year Asset Growth 15.38%
5-Year Asset Growth 40.49%
5-Year Charge-Offs to Average Loans 0.04%
Charge-Offs to Average Loans 0.53%
Non-Performing Assets to Assets 0.75%
Non-Performing Loans to Capital 4.70%
Non-Performing Loans to Loans 0.91%
Balance Sheet UBank
Huntington, TX
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Total Assets 873.81M
Total Deposits 757.86M
Capital and Reserves UBank
Huntington, TX
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Capital 80.62M
Leverage Ratio 10.06
Loan Loss Reserves to Loans 1.15%
Risk-Based Capital Ratio --
Liquidity UBank
Huntington, TX
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Hot Money Ratio 22.04%
Liquidity Ratio 17.06%
Profitability UBank
Huntington, TX
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5-Year Return on Average Assets 1.04%
Net Income 9.18M
Net Interest Spread 4.59%
Operating Profit to Average Assets 1.96%
Overhead Efficiency Ratio 54.84%
Return on Assets 1.55%
Return on Equity 16.20%