Unity National Bank of Houston
Houston, TX · Cert 26351 · Peer group: banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=21)
National charter · OCC · 2 branches
Q2 2026
$224.9MAssets
$148.4MLoans
$193.5MDeposits
$27.6MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 57% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 9 of 21).
- Widest gap: net interest margin trails 95% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 20 of 21).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.40%
Rank 18 of 21
Net Interest Margin
2.08%
Rank 20 of 21
Efficiency Ratio
97.67%
Rank 20 of 21
Equity / Assets
12.28%
Rank 9 of 21
Non-interest income vs. expense
Unfavorable gap of $3.6M · efficiency ratio beats 10% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.40% | 0.77% | 1.16% | 1.46% | Beats 14% | 18 / 21 | |
| Return on Equity | 3.29% | 6.66% | 8.42% | 15.66% | Beats 14% | 18 / 21 | |
| Net Interest Margin | 2.08% | 3.50% | 3.97% | 4.41% | Beats 5% | 20 / 21 | |
| Efficiency Ratio | 97.67% | 59.33% | 68.18% | 79.00% | Beats 10% | 20 / 21 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.77% | 0.01% | 0.37% | 1.25% | Beats 38% | 14 / 21 | |
| Net Charge-Offs / Loans | 0.03% | n/a | 0.01% | 0.05% | Beats 33% | 15 / 21 | |
| Capital |
| Tier 1 Capital Ratio | 15.45% | 12.65% | 15.76% | 18.38% | Beats 43% | 12 / 21 | |
| Total Risk-Based Capital Ratio | 16.68% | 12.65% | 16.68% | 19.63% | Beats 48% | 11 / 21 | |
| Equity / Assets | 12.28% | 9.08% | 11.30% | 15.80% | Beats 57% | 9 / 21 | |
| Liquidity & Funding |
| Loans / Deposits | 76.67% | 64.96% | 78.30% | 90.30% | 43rd pctl | 12 / 21 | |
| Loans / Assets | 65.97% | 55.83% | 65.86% | 74.20% | 52nd pctl | 10 / 21 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |