Side-by-side · Q2 2026 data
UBank vs United Texas Bank, National Association
Metric by metric
| Measure | UBank | United Texas Bank, National Association |
|---|---|---|
| TellerScore | 69 | 78 (stronger) |
| Capital cushion | 55 | 100 (stronger) |
| Loan quality | 85 | 100 (stronger) |
| Earnings | 77 (stronger) | 26 |
| Funding & liquidity | 49 | 63 (stronger) |
| Problem-loan coverage | 89 (stronger) | 85 |
| Peer percentile | 53rd | 86th |
| Total assets | $1.0B | $1.1B |
| Deposits / shares | $945.7M | $790.8M |
| Capital ratio | 10.46% | 16.02% (stronger) |
| Problem loans | 0.46% | 0.00% (stronger) |
| Net charge-offs | 0.07% | -0.31% (stronger) |
| Return on assets | 1.42% (stronger) | 0.15% |
| Loans ÷ deposits | 89.5% | 80.3% (stronger) |
| Uninsured deposits | 34.8% | 30.0% (stronger) |
| Offices | 8 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.4% | — |
United Texas Bank, National Association has the higher TellerScore (78 vs 69). On the 7 directional measures above (where higher or lower is clearly better), UBank leads on 1 and United Texas Bank, National Association on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.