Ubank (FDIC #18344): Bank Stress & Real-Estate Credit Exposure

Ubank (FDIC Cert #18344): bank stress 67/100, elevated, STABLE over 7 days; parent UBANK HOLDINGS INC.

Ubank (#18344) lends in 5 counties across 1 state; Ubank (#18344) reaches 96 ZIP codes: Texas 5 counties, 96 ZIPs.

Ubank (#18344) largest markets: Collin County, TX (40 branches, 40 ZIPs) (#18344), Smith County, TX (46 branches, 23 ZIPs) (#18344), Henderson County, TX (16 branches, 16 ZIPs) (#18344), Nacogdoches County, TX (10 branches, 10 ZIPs) (#18344), Angelina County, TX (21 branches, 7 ZIPs) (#18344).

Ubank (#18344) reports $1.05 billion in total assets; Ubank (#18344) equity $90.8 million (8.7% of Ubank (#18344) assets); Ubank (#18344) domestic deposits $945.7 million; Ubank (#18344) net income $6.8 million; Ubank (#18344) return on assets 1.42%; Ubank (#18344) return on equity 15.65%; Ubank (#18344) net interest income $21.7 million; Ubank (#18344) call report June 30, 2026.

Ubank (#18344) noncurrent real-estate loans 0.09% of its book; Ubank (#18344) net charge-offs on real estate 0.39%; Ubank (#18344) residential charge-offs 0.65%.

Ubank (#18344) net interest margin 4.71% against an eight-quarter Ubank (#18344) average of 4.44% (Ubank (#18344) compression -0.27 points); Ubank (#18344) real-estate loans 9.1% of equity; Ubank (#18344) non-residential real estate 65.4% of equity; Ubank (#18344) rate-exposure score 40/100, Ubank (#18344) fixed-rate trap 40/100; Ubank (#18344) risk type credit driven; Ubank (#18344) rate regime rates elevated, Ubank (#18344) snapshot October 19, 2026.

Ubank (#18344) stress score moved from 62.9 on June 22, 2026 to 66.9 on October 19, 2026; Ubank (#18344) ranged 62.9 to 66.9 over 116 snapshots.

Ubank (#18344) alerts: 5 counties; top Ubank (#18344) alert scores: Tyler County, TX 37 (moderate); Nacogdoches County, TX 33 (low); Chandler County, TX 21 (low); Lufkin County, TX 21 (low); Plano County, TX 21 (low).