United Texas Bank, National Association: how it compares with its peers
Against 101 TX banks with half to twice its assets, United Texas Bank, National Association's strongest measure in Q2 2026 is assets per employee ($12.8M vs. a $8.2M peer median). Its weakest relative measure is net interest margin (2.46% vs. 4.14%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.15% | 1.42% | Bottom third Ahead of 4% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.46% | 4.14% | Bottom third Ahead of 0% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 96.52% | 60.19% | Bottom third Ahead of 1% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $12.8M | $8.2M | Top third Ahead of 84% of peers |
| Loans to deposits Net loans and leases over total deposits. | 80.29% | 77.81% | Context |
What it means for lending operations
Its efficiency ratio of 96.52% is above the 60.19% 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
- UBank Huntington, TX · $1.05B
- R Bank Round Rock, TX · $1.03B
- The First National Bank of McGregor Mc Gregor, TX · $1.08B
- Frontier Bank of Texas Elgin, TX · $1.08B
- Clear Fork Bank, National Association Albany, TX · $1.03B
- First Command Bank Fort Worth, TX · $1.08B
Questions about United Texas Bank, National Association
How big is United Texas Bank, National Association?
United Texas Bank, National Association, established in 1986, is headquartered in Dallas, TX. It reported $1.05B in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is United Texas Bank, National Association's return on assets?
0.15% annualized in Q2 2026, against a 1.42% median for 101 TX banks with half to twice its assets, ahead of 4% of them.
What is United Texas Bank, National Association's efficiency ratio?
96.52% in Q2 2026: it spent about 97 cents in noninterest expense for each dollar of revenue. The peer median is 60.19%, and lower is better.
Is United Texas Bank, National Association growing its loans?
Net loans grew 20.2% over the year to Q2 2026, while deposits grew 9.6%.
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.