Unity National Bank of Houston
Houston, Texas, Harris County
$225M in total assets, the 2,878th largest of 4,309 US banks and 244th of 352 headquartered in Texas.
- FDIC certificate
- 26351
- Established
- 1985
- Owned by
- No holding company
- Primary regulator
- OCC
- Website
- www.unitybanktexas.com
At a glance
Compared with 218 banks headquartered in Texas with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $225M | 30% | $336M | |
| Loans | $148M | 39% | $191M | |
| Deposits | $193M | 30% | $289M | |
| Return on assets | 0.66% | 12% | 1.47% | |
| Net interest margin | 2.29% | 2% | 4.20% | |
| Efficiency ratio | 97.7% | 98% | 61.4% | |
| Equity to assets | 12.28% | 71% | 10.91% | |
| Loans to deposits | 77% | 59% | 72% |
Growth
Total assets grew -0.2% a year over the last 5 years and 11.1% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Aug 1985 | Riverside National Bank of Houston Houston, TX | $18M |
Where they operate
2 branches in 2 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Harris County, TX | $176M | 0.1% | 55 of 87 |
| Fort Bend County, TX | $18M | 0.1% | 41 of 45 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
No net change since 2016 (2 branches then and now). 1 opened, 0 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 2 | |||
| 2018 | Opened Atlanta | 1 | 0 | +1 | 3 |
| 2025 | Closed Atlanta | 0 | 1 | −1 | 2 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Business (C&I) | 51% | 14% | |
| Commercial real estate | 38% | 28% | |
| 1-4 family residential | 5% | 27% | |
| Construction and land | 3% | 11% | |
| Multifamily | 2% | 2% | |
| Farmland | 2% | 7% | |
| Consumer | 0% | 5% | |
| Agricultural | 0% | 5% | |
| Other | 0% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Time deposits | 46% | 29% | |
| Noninterest-bearing | 36% | 30% | |
| Other interest-bearing | 18% | 41% |
Brokered deposits are 31.9% of deposits (peers 1.8%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.35% | 0.30% |
| Net charge-offs, annualized | -0.15% | 0.01% |
| Reserves to loans | 1.41% | 1.23% |
| Leverage ratio | 12.02% | 11.60% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Texas
Largest competitors in Harris 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/unity-national-bank-houston-tx