Unity Nb of Houston
Houston, Texas · FDIC Cert #26351
Unity Nb of Houston is an FDIC-insured bank (Certificate #26351) with $227M in total assets and $177M in total deposits as of the Q2 2024 Call Report. Headquartered in Houston, Texas, the bank maintains a Tier 1 capital ratio of 15.79% (Well-Capitalized) and a nonperforming loan ratio of 3.08%. BankHealthData assigns a composite Health Grade of A (82/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Unity Nb of Houston (FDIC cert 26351) is a community bank — $227M in total assets, $177M in deposits, serving the Houston, Texas area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 15.79% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is elevated: non-performing loan ratio of 3.08% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is very high: 42.7% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is strong: return on assets of 2.24% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. Unity Nb of Houston carries a composite BankHealth grade of A (82/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Unity Nb of Houston
- Total Assets
- $227M
- Total Deposits
- $177M
- Tier 1 Capital Ratio
- 15.79%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 3.08%
- Liquidity Ratio
- 42.68%
- Return on Assets
- 2.24%
- Headquarters
- Houston, Texas
- FDIC Certificate
- #26351
- Health Grade
- A (82/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Unity Nb of Houston holds a Tier 1 capital ratio of 15.79%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Unity Nb of Houston has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Unity Nb of Houston shows strong financial health indicators. With $227M in assets and a Health Score of 82/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Unity Nb of Houston Compares
Unity Nb of Houston’s Health Score of 82 is 8 points above the Texas state average of 74 across 321 FDIC-insured banks. Its 15.79% Tier 1 capital ratio is 1.8 points above the US banking industry average near 14%. The 3.08% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 2.24% is in line with or above the national ROA benchmark of ~1.1%. Among 1549 similarly-sized banks, the average Health Score is 69, meaning this bank ranks above its size cohort. Site-wide, Unity Nb of Houston is 12 points above the portfolio average of 70.
Frequently Asked Questions
Unity Nb of Houston has a Bank Health Score of A (82/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 15.79%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Unity Nb of Houston's Tier 1 capital ratio of 15.79% and nonperforming loan ratio of 3.08% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Unity Nb of Houston is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #26351). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Unity Nb of Houston holds $227M in total assets and $177M in total deposits. It is headquartered in Houston, Texas (FDIC Certificate #26351).
Unity Nb of Houston has a Tier 1 capital ratio of 15.79%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 3.08%, and the return on assets is 2.24%.
Yes. Unity Nb of Houston is FDIC-insured (Certificate #26351). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Unity Nb of Houston's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.