PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Unity National Bank of Houston

Houston, TX · Cert 26351

National charter · OCC · 2 branches

Q2 2026

$224.9MAssets
$148.4MLoans
$193.5MDeposits
$27.6MEquity
Loan mix
49%RE $69.4M51%C&I $73.1M0%Consumer $0.3MQ2 2025Q2 2026
Deposit mix
64%Interest-bearing $124.8M36%Noninterest $68.7MQ2 2025Q2 2026

NIM

5.83%Q2 ’245.02%Q2 ’254.52%Q2 ’26-18%-21%

Non-interest income vs. expense

23.88%Q2 ’2422.69%Q2 ’2521.55%Q2 ’26+41%+28%

Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 0.1% share · #67 of 107 inst. · $0.2B of $360.4B

0.1% Harris
0.1% Fort Bend

Executive Summary

  • Earnings: ROA of 0.40%, down 49 bps year over year; NIM at 2.08%.
  • Asset quality: problem loans at 0.77% of loans (-72 bps YoY), with net recoveries of 0.14%.
  • Capital: tier 1 leverage ratio of 12.02%, down 266 bps from a year ago.
  • Funding: loans stand at 76.67% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.40%-49 bps YoY

Net Interest Margin (YTD, annualized)

2.08%-55 bps YoY

Efficiency Ratio (YTD, annualized)

97.67%+349 bps YoY

Tier 1 Leverage Ratio

12.02%-266 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.89%0.72%0.92%0.73%0.40%-49 bps
Return on Equity6.94%5.72%7.30%6.17%3.31%-363 bps
Net Interest Margin2.63%2.42%2.53%2.25%2.08%-55 bps
Efficiency Ratio94.17%94.65%93.81%96.06%97.67%+349 bps
Non-Interest Burden1.22%1.27%1.25%1.36%1.56%+34 bps
Growth
Asset Growth (YoY)1.29%16.10%13.07%16.56%-2.22%-351 bps
Loan Growth (YoY)19.10%26.79%16.19%21.07%4.81%-1,430 bps
Deposit Growth (YoY)12.50%18.63%15.08%20.00%-2.79%-1,529 bps
Asset Quality
Nonperforming Loans / Loans1.49%1.32%1.53%1.18%0.77%-72 bps
Net Charge-Offs / Loans0.63%0.63%0.41%-0.13%-0.14%-77 bps
Allowance / Loans1.40%1.36%1.46%1.43%1.41%+1 bps
Allowance Coverage of NPLs0.9x1.0x1.0x1.2x1.8x+0.9x
Capital
Tier 1 Leverage Ratio14.68%13.71%14.00%13.66%12.02%-266 bps
Total Risk-Based Capital30.20%31.99%34.90%32.29%16.68%-1,352 bps
Equity / Assets11.90%12.09%12.33%11.28%12.28%+39 bps
Liquidity & Funding
Loans / Deposits71.12%70.91%69.78%69.78%76.67%+556 bps
Liquid Assets / Assets3.68%4.20%4.80%4.40%4.89%+120 bps
CRE / Total Capitaln/a183.10%170.66%187.31%n/an/a