Call reports 2025
UBANK — 2025
What UBANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 162,582,000 | 169,030,000 | 177,079,000 | 180,482,000 |
| Total loans | 125,764,000 | 130,831,000 | 129,131,000 | 136,358,000 |
| Allowance for loan losses | 1,956,000 | 2,020,000 | 2,026,000 | 2,025,000 |
| Securities available for sale | 12,572,000 | 11,022,000 | 12,073,000 | 11,629,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,181,000 | 145,113,000 | 152,461,000 | 155,858,000 |
| Interest-bearing deposits | 115,811,000 | 118,664,000 | 125,785,000 | 127,417,000 |
| Noninterest-bearing deposits | 23,370,000 | 26,449,000 | 26,676,000 | 28,441,000 |
| Equity capital | 22,125,000 | 22,595,000 | 23,082,000 | 23,405,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,546,000 | 5,208,000 | 8,050,000 | 10,867,000 |
| Interest expense | 884,000 | 1,779,000 | 2,733,000 | 3,711,000 |
| Net interest income | 1,662,000 | 3,429,000 | 5,317,000 | 7,156,000 |
| Noninterest income | 127,000 | 245,000 | 370,000 | 486,000 |
| Noninterest expense | 1,220,000 | 2,427,000 | 3,625,000 | 4,892,000 |
| Provision for loan losses | 75,000 | 140,000 | 145,000 | 145,000 |
| Pretax income | 494,000 | 1,103,000 | 1,899,000 | 2,587,000 |
| Income tax | 110,000 | 275,000 | 475,000 | 573,000 |
| Net income | 384,000 | 828,000 | 1,424,000 | 2,014,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,010,000 | 23,453,000 | 23,689,000 | 24,039,000 |