UBank
Major Rating Factors:
A current level of 13.3 percent of nonperforming loans to core capital combined with 9.1 percent from a year earlier contributes to the Weak asset quality (2.8). Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.6 has resulted in Excellent (7.0) profitability.
Other Rating Factors:
Excellent current capitalization (8.6 on a scale of 0 to 10) and a capital leverage ratio of 10.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.2 on a scale of 0 to 10).
Asset Mix:
Comm re (28%), comm loans (17%), cash (14%), home mtgs (11%), securities (3%), 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
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
No affiliate information available.