UBank
Huntington, Texas, Angelina County
$1.0B in total assets, the 1,029th largest of 4,309 US banks and 89th of 352 headquartered in Texas.
- FDIC certificate
- 18344
- Established
- 1961
- Owned by
- Ubank Holdings Inc
- Primary regulator
- FDIC
- Website
- www.u.bank
At a glance
Compared with 77 banks headquartered in Texas with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.0B | 3% | $2.2B | |
| Loans | $857M | 22% | $1.3B | |
| Deposits | $946M | 8% | $1.8B | |
| Return on assets | 1.44% | 43% | 1.54% | |
| Net interest margin | 4.71% | 84% | 3.95% | |
| Efficiency ratio | 56.8% | 46% | 57.5% | |
| Equity to assets | 8.68% | 16% | 10.77% | |
| Loans to deposits | 91% | 78% | 80% |
Growth
Total assets grew 24.4% a year over the last 5 years and 16.8% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Feb 1990 | Angelina National Bank Lufkin, TX, an affiliate under the same holding company | $29M |
Where they operate
8 branches in 5 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Angelina County, TX | $640M | 29.7% | 1 of 11 |
| Smith County, TX | $165M | 1.8% | 13 of 28 |
| Nacogdoches County, TX | $70M | 4.0% | 7 of 9 |
| Collin County, TX | $48M | 0.1% | 55 of 70 |
| Henderson County, TX | $24M | 1.4% | 9 of 9 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 1 branch since 2016 (9 to 8, −11.1%). 3 opened, 0 acquired, 4 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 9 | |||
| 2016 | Closed 3 in Texas | 0 | 3 | −3 | 6 |
| 2019 | Sold 1 branch to Stellar Bank | 0 | 1 | −1 | 5 |
| 2020 | Opened Bullard | 1 | 0 | +1 | 6 |
| 2021 | Opened Chandler | 1 | 0 | +1 | 7 |
| 2023 | Opened Plano | 1 | 0 | +1 | 8 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 33% | 39% | |
| Construction and land | 22% | 13% | |
| Business (C&I) | 20% | 15% | |
| 1-4 family residential | 10% | 20% | |
| Multifamily | 10% | 3% | |
| Farmland | 4% | 3% | |
| Consumer | 1% | 2% | |
| Agricultural | 0% | 1% | |
| Other | 0% | 4% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 62% | 48% | |
| Time deposits | 22% | 26% | |
| Noninterest-bearing | 16% | 26% |
Brokered deposits are 17.6% of deposits (peers 4.0%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.46% | 0.42% |
| Net charge-offs, annualized | 0.07% | 0.04% |
| Reserves to loans | 1.20% | 1.20% |
| Leverage ratio | 10.46% | 10.79% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Texas
Largest competitors in Angelina County, TX
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/ubank-huntington-tx