UBank: how it compares with its peers
Against 101 TX banks with half to twice its assets, UBank's strongest measure in Q2 2026 is net interest margin (4.71% vs. a 4.13% peer median). Its weakest relative measure is return on assets (1.42% vs. 1.42%).
| Measure | UBank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.42% | 1.42% | Middle third Ahead of 50% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.71% | 4.13% | Top third Ahead of 80% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 56.84% | 61.07% | Middle third Ahead of 65% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.2M | $8.2M | Middle third Ahead of 53% of peers |
| Loans to deposits Net loans and leases over total deposits. | 89.52% | 77.81% | Context |
What it means for lending operations
Its efficiency ratio of 56.84% is better than the 61.07% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- United Texas Bank, National Association Dallas, TX · $1.05B
- R Bank Round Rock, TX · $1.03B
- Clear Fork Bank, National Association Albany, TX · $1.03B
- The First National Bank of McGregor Mc Gregor, TX · $1.08B
- Frontier Bank of Texas Elgin, TX · $1.08B
- First Command Bank Fort Worth, TX · $1.08B
Questions about UBank
How big is UBank?
UBank, established in 1961, is headquartered in Huntington, TX. It reported $1.05B in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is UBank's return on assets?
1.42% annualized in Q2 2026, against a 1.42% median for 101 TX banks with half to twice its assets, ahead of 50% of them.
What is UBank's efficiency ratio?
56.84% in Q2 2026: it spent about 57 cents in noninterest expense for each dollar of revenue. The peer median is 61.07%, and lower is better.
Is UBank growing its loans?
Net loans grew 34.7% over the year to Q2 2026, while deposits grew 32.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.