# UBANK
HUNTINGTON, TX · FDIC certificate 18344 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $1.05B | |
| Deposits | $945.7M | |
| Loans and leases | $856.9M | |
| Total equity | $90.8M | |
| Loans / deposits | 89.52% (p58 of band) | 87.10% |
| Liquid assets / assets | 15.38% (p25 of band) | |
| Uninsured deposits / deposits | 34.80% (p61 of band) | 30.76% |
| Brokered deposits | 15.89% | |
| Wholesale funding | 16.40% (p83 of band) | |
| FHLB advances / assets | 0.50% | |
| Tier 1 leverage | 10.46% (p49 of band) | 10.50% |
| Unrealized securities loss / equity | -2.52% (p77 of band) | -7.75% |
| AOCI / equity | -0.04% (p71 of band) | |
| ROA (annualized) | 1.42% (p64 of band) | 1.26% |
| Net interest margin | 4.71% (p91 of band) | 3.70% |
| Efficiency ratio | 56.84% (p43 of band) | |
| Noncurrent loans | 0.46% (p45 of band) | 0.51% |
| Net charge-offs (annualized) | 0.05% (p64 of band) | |
| Reserve coverage of noncurrent | 261.42% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 207.34% (p100 of band) | |
| Auto loans | $791,000 (0.09% of loans; DQ 1.14%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 32.4% | |
| Employees | 127 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 5 | leverage <7% |  |
| 2011-09 | 3 |  | reserve under noncurrent, leverage <7% |
| 2011-12 | 2 |  | construction >100% equity |
| 2012-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, charge-offs p90 |
| 2012-06 | 1 |  | deposits shrinking, assets shrinking |
| 2012-09 | 0 |  | uninsured deposits leaving |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 1 | expense ratio p90 | capital falling |
| 2013-09 | 0 |  | expense ratio p90 |
| 2013-12 | 1 | assets shrinking |  |
| 2014-03 | 0 |  | assets shrinking |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 3 | capital falling, losing money, expense ratio p90 |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 0 |  | capital falling, losing money, expense ratio p90 |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | deposits shrinking |  |
| 2017-03 | 0 |  | deposits shrinking |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | charge-offs p90 |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | charge-offs p90 |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 2 | construction >100% equity |  |
| 2020-06 | 1 |  | construction >100% equity |
| 2020-09 | 2 | construction >100% equity |  |
| 2020-12 | 0 |  | capital falling, construction >100% equity |
| 2021-03 | 1 | construction >100% equity |  |
| 2021-06 | 0 |  | construction >100% equity |
| 2021-09 | 2 | charge-offs p90, construction >100% equity |  |
| 2021-12 | 1 |  | construction >100% equity |
| 2022-03 | 3 | capital falling, construction >100% equity |  |
| 2022-06 | 2 |  | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 | capital falling | charge-offs p90 |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | uninsured deposits leaving |  |
| 2023-12 | 2 |  | capital falling |
| 2024-03 | 1 |  | uninsured deposits leaving |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 2 | charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2025-09 | 2 |  |  |
| 2025-12 | 3 | brokered >10% |  |
| 2026-03 | 2 |  | charge-offs p90 |
| 2026-06 | 3 | wholesale funding >15% |  |

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

- 2024-03-21 [UBank rep previews ‘Good for Country’ concert benefitting East Texas Food Bank - KLTV.com](https://news.google.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?oc=5) · KLTV.com
- 2024-02-07 [Aeropay partners with Cross River, UBank on gaming payouts - Banking Dive](https://news.google.com/rss/articles/CBMinwFBVV95cUxQTjBFWGJGZlowY1ZsT21Sa2JHLXZ2VHFnd0V4VWI0d045WFVUZDAxNmFqSnJ0ZGNQelVqbzBmLXNvcHVHRjk3YTVyT3lYZ21WVXFNLTRWZ0hRaDNrYmlrNzJMQXh2STM4S09ncFZvUXB5Y1BsZ1JtMUxheDk3MktRU1RfaVp3N2tCMWRFX2xmU0JFME12Q0RGT1c4MmQzNTg?oc=5) · Banking Dive
- 2025-04-08 [Best Banks and Credit Unions in Texas 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPaHVBQTVTZmk3enlkTEFtTmNFVlFWMlpoMmJXcXZocEVHeXp1dmNJS1daUkpqVDROaXhqbnRhQXFSRmJfNXNmSkJhYW9UZDctTUl5bzVKQkpuWUpfNDg3TGRSajRaTFFYa2hpX1BUSFh6OGdibzFUX050UktoUmQtdTlqanY2NGM2cWNj?oc=5) · Newsweek Rankings
- 2023-08-11 [UBank named Medium Business of the Year - dailysentinel.com](https://news.google.com/rss/articles/CBMiygFBVV95cUxPVmtHeXV5UmZkYnZJOXl5U0I5WHEyYmtzQnl2V2lUWXdaUFJsM0E3eHIweWExaGdfeEt6NTVvMFdzdklNc2lmeTZjODNTYVp5YXNBczVhMVl2ZFhJR3BaSHJvZDlRQUVHeFBWQ19lR1h4aWJtYkZ6Ykdrb2tUMHgxTm5oN2FqVkdhWWdqVHoxUFJKT3VrcmNVcXJkYjhqWXplM1R2bElEWEhPWDVZanI4V0dqdHJUT216NGtySVlwX0NwRjNmN3c4dWRn?oc=5) · dailysentinel.com
- 2023-03-01 [Scotty McCreery looking forward to Good For Country concert, helping community - The Lufkin Daily News](https://news.google.com/rss/articles/CBMi6wFBVV95cUxPX1UwSWxFcDNwemszcUlrRi1RZjlpV0RlamFsWDVuTVV0SWlyUzJ5dTZKRHRoUV9KQ2wzZ3VEWENkTm1BMWJpM1k5WUw4TWtNajRZRVZJTFh4amM0SlNyYlJkbjRMVjdRUmhsbjFzUC1tRkJGNm5hNE1IZVRzOEZEMnJFTjNFSUx3UDV3RGJwZkIzNGdQeGJZaHVnM2NLZFVuUUF0N3A4SklVQWZiZ29uWGhKZERtOTFfN0ZJNmlseGtmRnpqYjFOaDU5aWRkdlpIUElkRlk4WkVpMFJBS3k3WW5tM29Vd19fRGQ4?oc=5) · The Lufkin Daily News
- 2023-01-06 [Scotty McCreery to Headline at Benefit Concert in Lufkin, Texas - Kicks 105](https://news.google.com/rss/articles/CBMijAFBVV95cUxPd1lrVlNnVUd6OGNTMGFWdklvaS1EbUpadE1qSE84ZWVLLThBNmc5VFNWdHA4LXcxQlZlYURCbkk1ckFDLXV6Nk03dDRLY21ieTMwWmpPMjZCc0R5VTBWcmZOd2o1YXN1RHVqM2x0a3l4Njk4RzdnZFdMY3prbWxHV2NQTDhTLW1HQklYZQ?oc=5) · Kicks 105
- 2024-01-26 [Dylan Scott Along with the Oak Ridge Boys Farewell Tour are Coming to Lufkin - Kicks 105](https://news.google.com/rss/articles/CBMicEFVX3lxTE9PTHBlTUl1dXd2VmdEVmhKVUtrTGFGV1F6R0REN0RkZHhuY3Zkejh1WmVEdHBHdzM0Z1JveFlsNG5Sd3RxOXBERjhOQnpyTVN1aUctZ3lyZmZCWng3enAxcU90eF9adndIWmpCNFdaS3g?oc=5) · Kicks 105
- 2023-06-25 [Has UBank cracked the code to making a microfinance bank profitable? - Profit by Pakistan Today](https://news.google.com/rss/articles/CBMitAFBVV95cUxOVWlRZmFmdFJRaWhqeGR1UUtkZ2FrUjVmYUR5ZlR4bkMxd2l2Y3lIVDhRQXZ5cF9QX3hRMFlCRU5fdjAzcnNzZF8zTUtLZXNVbjZmM1hzdXNhb0E0M0k1UXhLcUotS09nS0d4ZlNwS3U3dEVnRHJTTHJ1dk9JTlRrYWJDWllOeFZaNUdrQ0xVcjlNeTNJVU5FOG1pSHJFNUJwZVdYa0Q3aUVTcy1CX0VTemJLNno?oc=5) · Profit by Pakistan Today

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18344 (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/40.json (key "18344", 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