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United Texas Bank, National Association

Dallas, TX · Cert 26626 · Peer group: banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (n=20) · Utb Financial Holding Co.

National charter · OCC · 3 branches

Q2 2026

$1.1BAssets
$641.7MLoans
$790.8MDeposits
$167.1MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 4 of 20).
  • Widest gap: return on equity trails 100% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 20 of 20).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.15%

Rank 20 of 20

Net Interest Margin

2.38%

Rank 19 of 20

Efficiency Ratio

96.52%

Rank 20 of 20

Equity / Assets

15.86%

Rank 3 of 20

Non-interest income vs. expense

$5.7M$29.4MINCOMEEXPENSE
Unfavorable gap of $23.8M · efficiency ratio beats 5% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area
Bank 96.52%Peer median 65.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.15%0.68%1.15%1.86%Beats 0%20 / 20
Return on Equity0.97%7.45%10.95%14.25%Beats 0%20 / 20
Net Interest Margin2.38%2.87%3.58%4.28%Beats 5%19 / 20
Efficiency Ratio96.52%52.33%65.48%74.79%Beats 5%20 / 20
Asset Quality
Nonperforming Loans / Loans0.00%0.18%0.42%1.54%Beats 100%4 / 20
Net Charge-Offs / Loans0.00%0.00%0.02%0.14%Beats 75%6 / 20
Capital
Tier 1 Capital Ratio16.02%13.35%15.71%17.39%Beats 55%9 / 20
Total Risk-Based Capital Ratio16.02%14.55%16.02%18.64%Beats 50%10 / 20
Equity / Assets15.86%9.74%11.64%13.21%Beats 85%3 / 20
Liquidity & Funding
Loans / Deposits81.14%72.63%81.14%96.60%50th pctl10 / 20
Loans / Assets60.92%60.26%69.54%79.68%30th pctl14 / 20
Brokered Deposits / Depositsn/aNot reported for this institution