# UBANK
KNOXVILLE, TN · FDIC certificate 1693 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $182.8M | |
| Deposits | $158.4M | |
| Loans and leases | $133.2M | |
| Total equity | $23.4M | |
| Loans / deposits | 82.81% (p67 of band) | 73.59% |
| Liquid assets / assets | 25.04% (p32 of band) | |
| Uninsured deposits / deposits | 43.69% (p94 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.14% (p64 of band) | 11.76% |
| Unrealized securities loss / equity | -3.94% (p60 of band) | -6.57% |
| AOCI / equity | -0.20% (p59 of band) | |
| ROA (annualized) | 1.20% (p52 of band) | 1.17% |
| Net interest margin | 4.29% (p67 of band) | 3.93% |
| Efficiency ratio | 64.13% (p46 of band) | |
| Noncurrent loans | 0.68% (p62 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 220.99% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 92.34% (p92 of band) | |
| Auto loans | $1.1M (0.84% of loans; DQ 3.74%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.2% | |
| Employees | 22 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | uninsured deposits leaving |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2014-03 | 2 | charge-offs p90 | noncurrent p90 |
| 2014-06 | 1 |  | reserve under noncurrent |
| 2014-09 | 2 | reserve under noncurrent |  |
| 2014-12 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-03 | 3 |  | reserve under noncurrent, assets shrinking |
| 2015-06 | 0 |  | charge-offs p90, deposits shrinking, uninsured deposits leaving |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | reserve under noncurrent |  |
| 2016-12 | 0 |  | reserve under noncurrent |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | construction >100% equity |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | construction >100% equity |
| 2018-09 | 1 | construction >100% equity |  |
| 2018-12 | 3 | charge-offs p90, reserve under noncurrent |  |
| 2019-03 | 2 |  | charge-offs p90 |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | reserve under noncurrent |
| 2019-12 | 0 |  | construction >100% equity |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | charge-offs p90 |  |
| 2020-12 | 0 |  | charge-offs p90 |
| 2021-03 | 1 | charge-offs p90 |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 3 | losing money, expense ratio p90 |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 | capital falling | charge-offs p90 |
| 2022-06 | 3 |  |  |
| 2022-09 | 4 | construction >100% equity |  |
| 2022-12 | 3 |  | capital falling |
| 2023-03 | 1 |  | losing money, expense ratio p90 |
| 2023-06 | 0 |  | construction >100% equity |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 2 | capital falling, charge-offs p90 |  |
| 2024-06 | 1 |  | charge-offs p90 |
| 2024-09 | 0 |  | capital falling |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 2 | capital falling, construction >100% equity |  |
| 2026-03 | 0 |  | capital falling, construction >100% equity |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-04-08 [Best Banks and Credit Unions in Texas 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPaHVBQTVTZmk3enlkTEFtTmNFVlFWMlpoMmJXcXZocEVHeXp1dmNJS1daUkpqVDROaXhqbnRhQXFSRmJfNXNmSkJhYW9UZDctTUl5bzVKQkpuWUpfNDg3TGRSajRaTFFYa2hpX1BUSFh6OGdibzFUX050UktoUmQtdTlqanY2NGM2cWNj?oc=5) · Newsweek Rankings
- 2024-08-08 [Millions of Aussies risk losing bank account access: 'Not a scam' - Yahoo Finance Australia](https://news.google.com/rss/articles/CBMisAFBVV95cUxPaUdCeml0d3FEc3NxT0VuS0Y1VDZhWTh2Tk9uTjZuWDhpeV9IWmhueENJaXhaVi1QMFU5WEhNcl9Wa3ZuWVA5N3NzYWVVVTRsNm91M3Z3c1FFeWJJVnZsd05yWGQwczYzandYUThxZHBaTFRiQkkySlN6bzBPUlFPTE9OLVotS3NGZ1dudEVRb2xGUzkxbWR1TGt0bHQtWlA4ZG1ncDBOS2I0d3pxbkx4OQ?oc=5) · Yahoo Finance Australia
- 2025-07-19 [As more Australians save, banks are cutting interest rates for deposits faster than the RBA’s official cash rate - The Guardian](https://news.google.com/rss/articles/CBMi9wFBVV95cUxNQjNYcXFQVVlHaWZONGhqS096V1RkbUlRdzlzMndMUWpWQXlWUGdYOERVNWZKMkEyZkZkS3JNRWtQR0Y2dUdiZ0sza1BzSEJrZnBXWk9Nb1MyN0I5eEJCOW9sMkdWOHo5Y1BHNHpPdkduRDN3SlZpNTFMUGN0TWR0Rk02UWMzZTgtSHBMNUp1WGdnQzB1aUFKdWdxeDQzTjE1RXNDbmR2QlAtaHlOTnBlTldGZ1B0MS16NXdYeExUTEZ0djNBLUtwZGZVX1ZhLXE3OGRBVFVHd2loRER2a1BSSVppbUd4a3dyUldseGJXaElPbFBtb1I0?oc=5) · The Guardian
- 2021-03-30 [NAB acquires Aussie bank: What it means for banking - Yahoo Finance Australia](https://news.google.com/rss/articles/CBMihwFBVV95cUxQWVc4SFE0WklobnpnT3hQdGRmZFkyWDJCOXJ3VW9mc1JHWUpGLWY5UG9Md2hUNXA5S28xenNEZmJGLXMtN2czaFg5aE9LQmpXLTMtNjJpVG5jc05oV1hxQ0VPNmY5UUZWeS10V2hlZENXRW5KLW1wN3V3RlN2S19Va2w2c2ZnTnM?oc=5) · Yahoo Finance Australia
- 2017-02-01 [ADCB unveils digital age lender uBank - thenationalnews.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxOX0hPWG8yS1o4NENDTExLVlh4V3dqdks0NElhUkowOHhYSWtKMm1XYnNtNkNtWDl3dUdtMjF5ZWlXYVdOOHdIWFlmQnE1R1VCRkZrMy11QXduaktPNnNVaTVEZlo5RkJuNTVkX1lobzFfS3ZMeTBFdVZYOW5vLXhMOEZtck9PcnJ5WVZTVjNraw?oc=5) · thenationalnews.com
- 2022-10-14 [How to profit from interest rate spike - News.com.au](https://news.google.com/rss/articles/CBMi-AFBVV95cUxQX1YzNnEtLTAyZkxldlhaWWtUVWZLTkNVMU9feXpBa3c1VjhDbVBsbXpoblZxaTdLLUUxWFlDd0dXZXdGOG9TQVgwVTBTU2Y5alJ0NTFKYlQ0UFJXYkpZa0pDWFpsdFBnRXZsTktGN2lWaXRSbnR0bEhNaDlPUDl4d0dNX3JRNjhtaGlBM0dJX0VFdVBPVnA3aDVTaDhGWEoybktiTVhoNkRRTjVRMnR2MkMtS3RXZXBJNTBDejhlV2FPeUpwQ0FkSVVzbk9xZS1VMUNseWhMSUtIMUxWbzhXY1gwcTBreFlrOEVsdkp1NXZ2SE1DRjVGYdIB_gFBVV95cUxQQmZEb3VJdUNtclFsN3FrWVB6MVhYVU9LV3JTS0IwV3hnemctZUlQMERTLWRnalIyakxFQmdVeDlFb0t6VTRBWVNqelE0cHhXcGtORzRzSkJQVWtoV0N5RFdMSnZOR1IyVGY0ZXBnUUZtTWF0QzQ4VEVydUlNN2tpQVZlYUxyVnBmS3QtUTlEVUdxczlTbFg0eEo2ZXpqeThRdE5QRG1CejRJUzN0UFJETzA2UExxZ01UTzVTWkgxeVBjLVV3SjZzR0FTTHl6T1RjTnR4Z21pQ3l2N0t2aC1Wa1VHZkE2VExrT1NwRFZFQ09SSnFleGxOdzN4UW1zZw?oc=5) · News.com.au

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1693 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/29.json (key "1693", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide