Unity National Bank of Houston

Major Rating Factors: Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 31.0 and a capital leverage ratio of 19.4. Operating profits as a percentage of assets at 2.8%, coupled with a return on assets of 2.8 has resulted in Excellent (7.8) profitability.

Other Rating Factors: A current level of 8.4 percent of nonperforming loans to core capital combined with 8.2 percent from a year earlier contributes to the Good asset quality (6.1). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.3 on a scale of 0 to 10).

Asset Mix: Securities (27%), comm loans (25%), comm re (16%), cash (13%), home mtgs (5%), consumer loans (0%), other (15%)

States with Branches: GA, TX

Asset Quality

Non-Performing Loans to Capital

8.39%

Non-Performing Assets to Assets

0.25%

Non-Performing Loans to Loans

2.40%

Loan Loss Reserves to Loans

1.93%

Charge-Offs to Average Loans

0.08%

5-Year Charge-Offs to Average Loans

0.22%

5-Year Asset Growth

24.50%

1-Year Asset Growth

1.26%

Profitability

Operating Profit to Average Assets

2.82%

Return on Equity

21.68%

Net Interest Spread

3.39%

5-Year ROAA (Return on Average Assets)

0.02%

Overhead Efficiency Ratio

90.46%

Liquidity

Liquidity Ratio

48.21%

Hot Money

45.21%

Corporate Info

Group Affiliation

Investment Rating

Address

2602 Blodgett Street
Houston, TX 77004

Phone Number

(713) 387-7400

Year Founded

1985

FDIC Number

26351

Website

http://www.unitybanktexas.com

Largest Affiliates

No affiliate information available.