BlastPoint's Banking Scorecard
Unity National Bank of Houston
Micro
Specialty: Commercial
TX
FDIC cert 26351
Designations: ✓ Community bank
Houston, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Unity National Bank of Houston has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 24.61% above tier
- + Non-Interest Income / Assets 18.18% above tier
Key Concerns
Areas that may need attention
- - Efficiency Ratio 26.08% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$228.7M
+13.5% YoY
-1.9% QoQ
|
+$11.2M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
58% |
| Total Loans ? |
$135.5M
+16.5% YoY
-4.3% QoQ
|
-$3.7M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
55% |
| Total Deposits ? |
$197.1M
+15.1% YoY
-2.6% QoQ
|
+$13.4M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
59% |
| Return on Assets ? |
0.91%
-56.6% YoY
+27.0% QoQ
|
-0.17% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
40% |
| Net Interest Margin ? |
3.02%
-4.6% YoY
+4.0% QoQ
|
-0.83% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
17% |
| Efficiency Ratio ? |
93.81%
+1.6% YoY
-0.9% QoQ
|
+26.08% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 7% in tier |
| Delinquency Rate ? |
1.55%
-60.3% YoY
+16.0% QoQ
|
+0.91% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
68.76%
+1.3% YoY
-1.7% QoQ
|
-5.76% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
64% |
| Non-Interest-Bearing Deposit Share ? |
13.67%
-8.0% YoY
-12.9% QoQ
|
-8.72% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
19% |
| Nonperforming Asset Ratio ? |
1.12%
-55.0% YoY
-19.5% QoQ
|
+0.66% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
17% |
| Tier 1 Capital Ratio ? |
33.46%
+22.0% YoY
+8.9% QoQ
|
+24.61% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 3% in tier |
| Non-Interest Income / Assets ? |
18.74%
-11.2% YoY
+29.8% QoQ
|
+18.18% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (2)
Tier 1 Capital Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
33.46%
(Tier avg: 8.85%, National avg: 9.75%)
Non-Interest Income / Assets
metric
Top 1%
in Micro
Why this stands out
Current:
18.74%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (1)
Efficiency Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
93.81%
(Tier avg: 67.73%, National avg: 65.09%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Non-Interest Income / Assets
Current: 18.74% · Tier avg: 0.56%
97
97th pctile
Tier 1 Capital Ratio
Current: 33.46% · Tier avg: 8.85%
64
64th pctile
Loan-to-Deposit Ratio
Current: 68.76% · Tier avg: 74.53%
59
59th pctile
Total Deposits
Current: $197.1M · Tier avg: $183.7M
58
58th pctile
Total Assets
Current: $228.7M · Tier avg: $217.5M
55
55th pctile
Total Loans
Current: $135.5M · Tier avg: $139.2M
40
40th pctile
Return on Assets
Current: 0.91% · Tier avg: 1.08%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.67% · Tier avg: 22.39%
18
18th pctile
Delinquency Rate
Current: 1.55% · Tier avg: 0.64%
17
17th pctile
Nonperforming Asset Ratio
Current: 1.12% · Tier avg: 0.45%
17
17th pctile
Net Interest Margin
Current: 3.02% · Tier avg: 3.85%
7
7th pctile
Efficiency Ratio
Current: 93.81% · Tier avg: 67.73%
Top Weaknesses
7
7th pctile
Efficiency Ratio
Current: 93.81% · Tier avg: 67.73%
17
17th pctile
Net Interest Margin
Current: 3.02% · Tier avg: 3.85%
17
17th pctile
Nonperforming Asset Ratio
Current: 1.12% · Tier avg: 0.45%
18
18th pctile
Delinquency Rate
Current: 1.55% · Tier avg: 0.64%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.67% · Tier avg: 22.39%
40
40th pctile
Return on Assets
Current: 0.91% · Tier avg: 1.08%
55
55th pctile
Total Loans
Current: $135.5M · Tier avg: $139.2M
58
58th pctile
Total Assets
Current: $228.7M · Tier avg: $217.5M
59
59th pctile
Total Deposits
Current: $197.1M · Tier avg: $183.7M
64
64th pctile
Loan-to-Deposit Ratio
Current: 68.76% · Tier avg: 74.53%
97
97th pctile
Tier 1 Capital Ratio
Current: 33.46% · Tier avg: 8.85%
100
100th pctile
Non-Interest Income / Assets
Current: 18.74% · Tier avg: 0.56%