BlastPoint's Banking Scorecard
United Texas Bank
Community
Specialty: Commercial
TX
FDIC cert 26626
Dallas, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
United Texas Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 9% in Community
- - Margin Compression: Bottom 9% in Community
- - Flatlined Growth: Bottom 16% in Community
- - NIB Deposit Bleed: Bottom 60% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
-1.6% YoY
+3.3% QoQ
|
-$299.8M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
55% |
| Total Loans ? |
$584.8M
+14.2% YoY
-0.5% QoQ
|
-$390.7M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
40% |
| Total Deposits ? |
$811.9M
+3.8% YoY
+5.5% QoQ
|
-$352.7M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
48% |
| Return on Assets ? |
0.94%
-19.9% YoY
-13.9% QoQ
|
-0.23% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
34% |
| Net Interest Margin ? |
3.01%
-2.5% YoY
-4.5% QoQ
|
-0.66% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
18% |
| Efficiency Ratio ? |
67.47%
+6.0% YoY
+6.7% QoQ
|
+4.84% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
33% |
| Delinquency Rate ? |
0.06%
-98.5% YoY
-97.7% QoQ
|
-0.57% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 14% in tier |
| Loan-to-Deposit Ratio ? |
72.03%
+10.1% YoY
-5.7% QoQ
|
-11.04% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
16.06%
-15.2% YoY
+27.3% QoQ
|
-4.99% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
30% |
| Nonperforming Asset Ratio ? |
1.45%
-30.5% YoY
-16.0% QoQ
|
+0.95% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 11% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
1.19%
+5.2% YoY
+24.0% QoQ
|
+0.45% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 10% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Capital Thin
risk
#38 of 432 · Bottom 9% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Margin Compression
decline
#12 of 120 · Bottom 9% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
0.94%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
Flatlined Growth
risk
#39 of 245 · Bottom 16% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.94%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank improving
NIB Deposit Bleed
decline
#54 of 89 · Bottom 60% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
16.06%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
|
QoQ rank declining
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
90
90th pctile
Non-Interest Income / Assets
Current: 1.19% · Tier avg: 0.74%
86
86th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.63%
78
78th pctile
Loan-to-Deposit Ratio
Current: 72.03% · Tier avg: 83.06%
55
55th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
48
48th pctile
Total Deposits
Current: $811.9M · Tier avg: $1.2B
40
40th pctile
Total Loans
Current: $584.8M · Tier avg: $975.5M
34
34th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.16%
33
33th pctile
Efficiency Ratio
Current: 67.47% · Tier avg: 62.63%
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 16.06% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
18
18th pctile
Net Interest Margin
Current: 3.01% · Tier avg: 3.66%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.45% · Tier avg: 0.50%
Top Weaknesses
11
11th pctile
Nonperforming Asset Ratio
Current: 1.45% · Tier avg: 0.50%
18
18th pctile
Net Interest Margin
Current: 3.01% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 16.06% · Tier avg: 21.05%
33
33th pctile
Efficiency Ratio
Current: 67.47% · Tier avg: 62.63%
34
34th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.16%
40
40th pctile
Total Loans
Current: $584.8M · Tier avg: $975.5M
48
48th pctile
Total Deposits
Current: $811.9M · Tier avg: $1.2B
55
55th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
78
78th pctile
Loan-to-Deposit Ratio
Current: 72.03% · Tier avg: 83.06%
86
86th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.63%
90
90th pctile
Non-Interest Income / Assets
Current: 1.19% · Tier avg: 0.74%