UBank
Major Rating Factors:
A current level of 5.7 percent of nonperforming loans to core capital combined with 8.4 percent from a year earlier contributes to the Fair asset quality (3.5). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.4 on a scale of 0 to 10) based on a risk-based capital ratio of 13.3 and a capital leverage ratio of 9.9. Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.6 has resulted in Excellent (7.4) profitability.
Asset Mix:
Comm re (27%), comm loans (18%), cash (16%), home mtgs (10%), securities (3%), consumer loans (1%), other (25%)
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.