Unity National Bank of Houston: how it compares with its peers
Against 133 TX banks with half to twice its assets, Unity National Bank of Houston's strongest measure in Q2 2026 is assets per employee ($5.4M vs. a $6.6M peer median). Its weakest relative measure is net interest margin (2.29% vs. 4.20%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.40% | 1.46% | Bottom third Ahead of 8% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.29% | 4.20% | Bottom third Ahead of 2% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 97.67% | 62.89% | Bottom third Ahead of 2% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.4M | $6.6M | Bottom third Ahead of 25% of peers |
| Loans to deposits Net loans and leases over total deposits. | 75.59% | 66.79% | Context |
What it means for lending operations
Its efficiency ratio of 97.67% is above the 62.89% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First State Bank of Bedias Bedias, TX · $225M
- Sanger Bank Sanger, TX · $224M
- The Citizens National Bank of Hillsboro Hillsboro, TX · $224M
- Muenster State Bank Muenster, TX · $227M
- The First National Bank of Anderson Anderson, TX · $230M
- First National Bank of Lake Jackson Lake Jackson, TX · $218M
Questions about Unity National Bank of Houston
How big is Unity National Bank of Houston?
Unity National Bank of Houston, established in 1985, is headquartered in Houston, TX. It reported $225M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Unity National Bank of Houston's return on assets?
0.40% annualized in Q2 2026, against a 1.46% median for 133 TX banks with half to twice its assets, ahead of 8% of them.
What is Unity National Bank of Houston's efficiency ratio?
97.67% in Q2 2026: it spent about 98 cents in noninterest expense for each dollar of revenue. The peer median is 62.89%, and lower is better.
Is Unity National Bank of Houston growing its loans?
Net loans grew 4.8% over the year to Q2 2026, while deposits shrank 2.8%.
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.