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Unity National Bank Of Houston
Houston, TX · FDIC Certificate #26351 · Chartered 08/0
Total assets
$224.86M
Total deposits
$193.49M
Total equity
$27.62M
Net loans
$146.25M
Branches (offices)
2
Net income (YTD)
$454.00K
Rank: #2,837 of 4,213 U.S. banks by assets · #243 of 346 in Texas. Assets changed -2.2% and deposits -2.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.40% |
| Return on equity | 3.31% |
| Net interest margin (YTD) | 2.29% |
| Equity to assets | 12.28% |
| Tier 1 leverage ratio | 12.02% |
| Uninsured deposits (share of deposits) | 36.9% |
| Noncurrent loans (share of loans) | 0.77% |
| Net charge-offs (share of loans) | -0.15% |
| Loans to deposits | 75.6% |
| Real estate loans (share of loans) | 49.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $73.04M | 49.9% | |
| Commercial & industrial | $75.10M | 51.3% | |
| Consumer / individual | $319.00K | 0.2% | |
| Construction & development | $4.59M | 3.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $246.56M | $221.19M | $1.38M | $20.71M |
| Jun 2023 | $200.92M | $158.80M | $2.00M | $23.13M |
| Jun 2024 | $227.03M | $176.92M | $2.07M | $24.56M |
| Jun 2025 | $229.97M | $199.03M | $937.00K | $27.36M |
| Jun 2026 | $224.86M | $193.49M | $454.00K | $27.62M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $193.49M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $193.49M.
Similar-sized banks
First Texoma National Bank ($225.35M) · Tbo Bank ($224.83M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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