UBank
Major Rating Factors:
A current level of 9.9 percent of nonperforming loans to core capital combined with 5.8 percent from a year earlier contributes to the Fair asset quality (3.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (9.2 on a scale of 0 to 10) and a capital leverage ratio of 10.5. Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.6 has resulted in Excellent (8.1) profitability.
Asset Mix:
Comm re (27%), comm loans (17%), cash (13%), home mtgs (8%), securities (2%), consumer loans (1%), other (32%)
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
Corporate Info
Group Affiliation
Ubank Holdings, Inc.
Investment Rating
--
Address
208 U.S. Highway 69 South
Huntington, TX 75949
Huntington, TX 75949
Phone Number
(936) 422-3000
Year Founded
1961
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.