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 3.50
Capitalization Index 8.40
Liquidity Index 1.50
Profitability Index 7.40
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 18.76%
5-Year Asset Growth 40.49%
5-Year Charge-Offs to Average Loans 0.04%
Charge-Offs to Average Loans 0.81%
Non-Performing Assets to Assets 0.83%
Non-Performing Loans to Capital 5.65%
Non-Performing Loans to Loans 1.08%
Balance Sheet UBank
Huntington, TX
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Total Assets 825.19M
Total Deposits 714.14M
Capital and Reserves UBank
Huntington, TX
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Capital 77.27M
Leverage Ratio 9.92
Loan Loss Reserves to Loans 1.15%
Risk-Based Capital Ratio 13.25
Liquidity UBank
Huntington, TX
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Hot Money Ratio 21.90%
Liquidity Ratio 19.86%
Profitability UBank
Huntington, TX
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5-Year Return on Average Assets 1.04%
Net Income 6.06M
Net Interest Spread 4.55%
Operating Profit to Average Assets 1.98%
Overhead Efficiency Ratio 55.03%
Return on Assets 1.56%
Return on Equity 16.40%