Headquartered in Houston, Texas, Unity National Bank of Houston is a national bank with $224.9M in total assets and $193.5M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1985.
Unity National Bank of Houston has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 29% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 267th. Problem-loan coverage contributes the most (89/100, 5.3%); earnings contributes the least (36/100, 0.40%).
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 5 points (70 → 65), mostly because the capital cushion component weakened by 27 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 70 |
| Q3 2024 | 72 |
| Q4 2024 | 68 |
| Q1 2025 | 65 |
| Q2 2025 | 70 |
| Q3 2025 | 68 |
| Q4 2025 | 69 |
| Q1 2026 | 73 |
| Q2 2026 | 65 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 15.74% |
| Q3 2024 | 15.36% |
| Q4 2024 | 16.61% |
| Q1 2025 | 15.27% |
| Q2 2025 | 14.68% |
| Q3 2025 | 13.71% |
| Q4 2025 | 14.00% |
| Q1 2026 | 13.66% |
| Q2 2026 | 12.02% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 3.08% |
| Q3 2024 | 2.45% |
| Q4 2024 | 3.83% |
| Q1 2025 | 2.32% |
| Q2 2025 | 1.49% |
| Q3 2025 | 1.32% |
| Q4 2025 | 1.53% |
| Q1 2026 | 1.18% |
| Q2 2026 | 0.77% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.91% |
| Q3 2024 | 1.69% |
| Q4 2024 | 2.11% |
| Q1 2025 | 0.76% |
| Q2 2025 | 0.89% |
| Q3 2025 | 0.72% |
| Q4 2025 | 0.92% |
| Q1 2026 | 0.73% |
| Q2 2026 | 0.40% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 65 | $224.9M | 12.02% | 0.77% | 0.40% | 75.6% |
| Q1 2026 | 73 | $236.2M | 13.66% | 1.18% | 0.73% | 68.8% |
| Q4 2025 | 69 | $227.8M | 14.00% | 1.53% | 0.92% | 68.8% |
| Q3 2025 | 68 | $233.0M | 13.71% | 1.32% | 0.72% | 70.0% |
| Q2 2025 | 70 | $230.0M | 14.68% | 1.49% | 0.89% | 70.1% |
| Q1 2025 | 65 | $202.6M | 15.27% | 2.32% | 0.76% | 68.1% |
| Q4 2024 | 68 | $201.4M | 16.61% | 3.83% | 2.11% | 67.9% |
| Q3 2024 | 72 | $200.7M | 15.36% | 2.45% | 1.69% | 65.3% |
| Q2 2024 | 70 | $227.0M | 15.74% | 3.08% | 1.91% | 66.1% |
2,650 peers · $100 million – $1 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 |
|---|---|---|---|---|---|
| First State Bank of BediasBank Bedias, TX | 81 out of 100, Strong | $224.8M | 17.9% | 2.01% | vs |
| Sanger BankBank Sanger, TX | 86 out of 100, Very strong | $224.4M | 16.5% | 0.51% | vs |
| The Citizens National Bank of HillsboroBank Hillsboro, TX | 82 out of 100, Strong | $224.4M | 12.5% | 0.28% | vs |
| Muenster State BankBank Muenster, TX | 98 out of 100, Very strong | $227.0M | 14.8% | 0.00% | vs |
| The First National Bank of AndersonBank Anderson, TX | 81 out of 100, Strong | $230.4M | 12.0% | 0.16% | vs |
| First National Bank of Lake JacksonBank Lake Jackson, TX | 69 out of 100, Moderate | $218.4M | 11.7% | 0.00% | vs |
Deposit insurance
Is my money safe at Unity National Bank of Houston?
Yes. Unity National Bank of Houston is an FDIC-insured institution (FDIC certificate #26351). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 36.9% of deposits ($71.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.02%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.68% (benchmark: 10%).
2 locations
Branches
Unity National Bank of Houston lists 2 offices in 2 cities. Most locations:
- Houston, TX (1)
- Missouri City, TX (1)
Identity & history
Profile
- Legal name
- Unity National Bank of Houston
- Former names
- Peoples Bank, National Association
- Type
- National bank
- FDIC certificate #
- 26351
- RSSD ID
- 853251
- Primary regulator
- OCC
- Established
- August 1, 1985
- Headquarters
- 2602 Blodgett St, Houston, TX 77004
- Website
- www.unitybanktexas.com
- Employees
- 42
Quick answers
Unity National Bank of Houston: common questions
Is Unity National Bank of Houston FDIC insured?
Yes. Unity National Bank of Houston is an FDIC-insured institution (FDIC certificate #26351). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Unity National Bank of Houston's TellerScore?
65 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 Unity National Bank of Houston ever failed?
There is no failure record for FDIC certificate #26351 in the FDIC failed bank list.
How many branches does Unity National Bank of Houston have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Houston
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Local 24 Employees Federal Credit UnionCredit union Pasadena, TX | 98 out of 100, Very strong | $13.6M | 21.0% | 0.26% | vs |
| Corpus Christi Postal Employees Credit UnionCredit union Corpus Christi, TX | 96 out of 100, Very strong | $17.1M | 20.3% | 0.00% | vs |
| Port of Houston Warehouse Federal Credit UnionCredit union Houston, TX | 96 out of 100, Very strong | $5.4M | 21.6% | 0.52% | vs |
| Schlumberger Employees Credit UnionCredit union Sugar Land, TX | 94 out of 100, Very strong | $935.8M | 25.3% | 0.57% | vs |
| Ila 1351 Federal Credit UnionCredit union La Porte, TX | 92 out of 100, Very strong | $17.3M | 17.0% | 0.00% | vs |
| City of Deer Park Federal Credit UnionCredit union Deer Park, TX | 92 out of 100, Very strong | $7.3M | 21.7% | 0.01% | vs |