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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Knoxville, TN · FDIC certificate #1693
UBANK is an FDIC-insured institution based in Knoxville, TN (FDIC certificate #1693). In its Q3 2026 Call Report it reported total assets of $184M, total deposits of $160M and net loans of $136M. Its primary federal regulator is FDIC.
Plain-language readout
UBANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $184M in Q3 2026 and were lowest at $180M in Q1 2026.
Total deposits were highest at $160M in Q3 2026 and lowest at $156M in Q1 2026.
Over the whole period total assets rose 2.0%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $184M | $160M | $136M | 1.18% | 9.16% | 4.39% |
| Q2 2026 | $183M | $158M | $131M | 1.20% | 9.31% | 4.29% |
| Q1 2026 | $180M | $156M | $136M | 1.18% | 9.12% | 4.20% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $34.7M | $26.5M | +$8.2M | +30.8% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $11.1M | $11.4M | -$291K | -2.6% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $131.2M | $136.3M | -$5.1M | -3.8% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.4M | $1.4M | -$13K | -0.9% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $4.5M | $4.6M | -$104K | -2.3% |
| Total assets | $182.8M | $180.1M | +$2.6M | +1.5% |
| Liabilities | ||||
| Total deposits | $158.4M | $155.9M | +$2.6M | +1.6% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $899K | $862K | +$37K | +4.3% |
| Total liabilities | $159.3M | $156.7M | +$2.6M | +1.7% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $137K | $137K | $0K | 0.0% |
| Surplus | $14.5M | $14.5M | $0K | 0.0% |
| Retained earnings | $9.5M | $9.5M | +$56K | +0.6% |
| Accumulated other comprehensive income | -$682K | -$660K | -$22K | -3.3% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $23.4M | $23.4M | +$34K | +0.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $905K | $908K | -$3K | -0.3% |
| Adjusted nonperforming assets | $905K | $908K | -$3K | -0.3% |
| Tangible equity plus allowance | $25.4M | $25.4M | +$3K | +0.0% |
| Texas ratio (gross) | 3.56% | 3.57% | -0.01 pts | See points |
| Texas ratio (adjusted) | 3.56% | 3.57% | -0.01 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 3.56% | 3.57% | -0.01 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 13.14% | 13.33% | -0.19 pts | See points |
| Construction and land loans to total capital | 82.87% | 78.72% | +4.15 pts | See points |
| Commercial real estate to total capital | 205.51% | 214.35% | -8.84 pts | See points |
| Dividend payout, year to date | 91.74% | 93.63% | -1.89 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -3.83% | -3.71% | -0.12 pts | See points |
| Liquidity | ||||
| Core deposits | $139.0M | $136.1M | +$3.0M | +2.2% |
| Non-core funding | $19.4M | $19.8M | -$409K | -2.1% |
| Loans to core deposits | 95.79% | 101.66% | -5.87 pts | See points |
| Loans to deposits | 84.07% | 88.76% | -4.68 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 79.11% | 86.91% | -7.80 pts | See points |
| Loans pledged, share of loans | 20.41% | 21.64% | -1.23 pts | See points |
| Volatile liabilities | $19.4M | $19.8M | -$409K | -2.1% |
| Earnings | ||||
| Earnings before provision, year to date | $1.4M | $697K | +$717K | +102.9% |
| Earnings before provision, single quarter | $717K | $697K | +$20K | +2.9% |
| Provision for credit losses, year to date | -$32K | -$12K | -$20K | -166.7% |
| Yield and cost | ||||
| Yield on loans and leases | 7.27% | 7.02% | +0.25 pts | See points |
| Yield on interest-bearing balances due from banks | 3.85% | 3.29% | +0.56 pts | See points |
| Total interest income to average assets | 6.13% | 6.01% | +0.12 pts | See points |
| Cost of interest-bearing transaction accounts | 1.14% | 1.03% | +0.11 pts | See points |
| Cost of savings and money market deposits | 2.50% | 2.45% | +0.05 pts | See points |
| Cost of time deposits | 3.72% | 3.80% | -0.08 pts | See points |
| Total interest expense to average assets | 1.99% | 2.00% | -0.01 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $184M | $160M | $136M | 1.18% | 9.16% | 4.39% |
| 2026-06-30 | $183M | $158M | $131M | 1.20% | 9.31% | 4.29% |
| 2026-03-31 | $180M | $156M | $136M | 1.18% | 9.12% | 4.20% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| TN | $145.1M | 0.06% | 132 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.