Side-by-side · Q2 2026 data
Austin Bank, Texas National Association vs UBank
Bank
Austin Bank, Texas National Association
Jacksonville, Texas · $1 billion – $10 billion
Metric by metric
| Measure | Austin Bank, Texas National Association | UBank |
|---|---|---|
| TellerScore | 88 (stronger) | 69 |
| Capital cushion | 100 (stronger) | 55 |
| Loan quality | 80 | 85 (stronger) |
| Earnings | 100 (stronger) | 77 |
| Funding & liquidity | 60 (stronger) | 49 |
| Problem-loan coverage | 94 (stronger) | 89 |
| Peer percentile | 98th | 53rd |
| Total assets | $3.3B | $1.0B |
| Deposits / shares | $2.8B | $945.7M |
| Capital ratio | 15.12% (stronger) | 10.46% |
| Problem loans | 0.60% | 0.46% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.07% |
| Return on assets | 2.08% (stronger) | 1.42% |
| Loans ÷ deposits | 88.0% (stronger) | 89.5% |
| Uninsured deposits | 26.0% (stronger) | 34.8% |
| Offices | 38 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.4% | 21.4% |
Austin Bank, Texas National Association has the higher TellerScore (88 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Austin Bank, Texas National Association leads on 6 and UBank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Tyler, TX
- Lufkin, TX
- Bullard, TX
- Nacogdoches, TX