UBank is a state-chartered bank headquartered in Huntington, Texas, in business for about 65 years. At the end of Q2 2026 it reported $1.0B in total assets and $945.7M in deposits, with 8 offices.
Based on its Q2 2026 filing, UBank scores 69/100, which we describe as moderate. That is higher than 53% of 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 229th. Its strongest component is problem-loan coverage (89/100; 5.6%), and its lowest is funding & liquidity (49/100; 90% loans-to-deposits, 35% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 2 points (71 → 69), mostly because the funding & liquidity component weakened by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 63 |
| Q4 2024 | 57 |
| Q1 2025 | 57 |
| Q2 2025 | 71 |
| Q3 2025 | 69 |
| Q4 2025 | 69 |
| Q1 2026 | 70 |
| Q2 2026 | 69 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.23% |
| Q3 2024 | 10.86% |
| Q4 2024 | 9.95% |
| Q1 2025 | 10.09% |
| Q2 2025 | 9.92% |
| Q3 2025 | 10.06% |
| Q4 2025 | 10.42% |
| Q1 2026 | 10.21% |
| Q2 2026 | 10.46% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.10% |
| Q3 2024 | 1.44% |
| Q4 2024 | 1.70% |
| Q1 2025 | 1.85% |
| Q2 2025 | 0.46% |
| Q3 2025 | 0.61% |
| Q4 2025 | 0.65% |
| Q1 2026 | 0.51% |
| Q2 2026 | 0.46% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.17% |
| Q3 2024 | 1.38% |
| Q4 2024 | 1.37% |
| Q1 2025 | 1.54% |
| Q2 2025 | 1.55% |
| Q3 2025 | 1.52% |
| Q4 2025 | 1.51% |
| Q1 2026 | 1.44% |
| Q2 2026 | 1.42% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 69 | $1.0B | 10.46% | 0.46% | 1.42% | 89.5% |
| Q1 2026 | 70 | $942.1M | 10.21% | 0.51% | 1.44% | 86.1% |
| Q4 2025 | 69 | $906.2M | 10.42% | 0.65% | 1.51% | 89.9% |
| Q3 2025 | 69 | $873.8M | 10.06% | 0.61% | 1.52% | 90.8% |
| Q2 2025 | 71 | $825.2M | 9.92% | 0.46% | 1.55% | 88.0% |
| Q1 2025 | 57 | $781.0M | 10.09% | 1.85% | 1.54% | 90.3% |
| Q4 2024 | 57 | $742.4M | 9.95% | 1.70% | 1.37% | 90.9% |
| Q3 2024 | 63 | $757.3M | 10.86% | 1.44% | 1.38% | 87.1% |
| Q2 2024 | 62 | $694.8M | 10.23% | 1.10% | 1.17% | 90.1% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| United Texas Bank, National AssociationBank Dallas, TX | 78 out of 100, Strong | $1.1B | 16.0% | 0.00% | vs |
| R BankBank Round Rock, TX | 50 out of 100, Below average | $1.0B | 9.0% | 1.55% | vs |
| Clear Fork Bank, National AssociationBank Albany, TX | 79 out of 100, Strong | $1.0B | 10.6% | 0.26% | vs |
| The First National Bank of McGregorBank Mc Gregor, TX | 42 out of 100, Below average | $1.1B | 9.5% | 2.72% | vs |
| Frontier Bank of TexasBank Elgin, TX | 75 out of 100, Strong | $1.1B | 10.0% | 0.15% | vs |
| First Command BankBank Fort Worth, TX | 82 out of 100, Strong | $1.1B | 10.2% | 0.42% | vs |
Deposit insurance
Is my money safe at UBank?
Yes. UBank is an FDIC-insured institution (FDIC certificate #18344). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 34.8% of deposits ($329.1M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.46%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
8 locations
Branches
UBank lists 8 offices in 7 cities. Most locations:
- Lufkin, TX (2)
- Bullard, TX (1)
- Chandler, TX (1)
- Huntington, TX (1)
- Nacogdoches, TX (1)
- Plano, TX (1)
- Tyler, TX (1)
HMDA 2025
Mortgage lending
In 2025, UBank reported 63 home-loan applications under HMDA (LEI 549300IVS7RAU1H3GS10): 44 originated ($70,180,000 total), 12 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 21.4%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- UBank
- Former names
- Huntington State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 18344
- RSSD ID
- 917555
- Primary regulator
- FDIC
- Holding company
- Ubank Holdings Inc
- Established
- January 23, 1961
- Headquarters
- 208 S Us Highway 69, Huntington, TX 75949
- Website
- www.u.bank
- Employees
- 127
Quick answers
UBank: common questions
Is UBank FDIC insured?
Yes. UBank is an FDIC-insured institution (FDIC certificate #18344). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is UBank's TellerScore?
69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has UBank ever failed?
There is no failure record for FDIC certificate #18344 in the FDIC failed bank list.
How many branches does UBank have?
8 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Huntington
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Angelina County Teachers Credit UnionCredit union Lufkin, TX | 100 out of 100, Very strong | $12.9M | 18.4% | 0.04% | vs |
| Lufkin Federal Credit UnionCredit union Lufkin, TX | 99 out of 100, Very strong | $47.8M | 26.3% | 0.14% | vs |
| Aspire Credit UnionCredit union Lufkin, TX | 94 out of 100, Very strong | $38.0M | 20.5% | 0.05% | vs |
| East Texas Professional Credit UnionCredit union Longview, TX | 90 out of 100, Very strong | $1.4B | 19.4% | 0.41% | vs |
| Austin Bank, Texas National AssociationBank Jacksonville, TX | 88 out of 100, Very strong | $3.3B | 15.1% | 0.60% | vs |
| Southland Federal Credit UnionCredit union Lufkin, TX | 85 out of 100, Very strong | $89.2M | 14.4% | 0.62% | vs |