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 | 781,024,000 | 825,186,000 | 873,808,000 | 906,177,000 |
| Total loans | 615,029,000 | 635,927,000 | 696,292,000 | 718,686,000 |
| Allowance for loan losses | 9,107,000 | 7,313,000 | 8,042,000 | 8,579,000 |
| Securities available for sale | 22,375,000 | 21,970,000 | 21,293,000 | 22,191,000 |
| Securities held to maturity | 4,000,000 | 4,000,000 | 4,000,000 | 4,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 671,005,000 | 714,135,000 | 757,858,000 | 790,180,000 |
| Interest-bearing deposits | 479,922,000 | 526,890,000 | 517,034,000 | 641,422,000 |
| Noninterest-bearing deposits | 191,083,000 | 187,245,000 | 240,824,000 | 148,758,000 |
| Equity capital | 73,893,000 | 77,274,000 | 80,622,000 | 83,994,000 |
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 | 12,951,000 | 27,246,000 | 41,891,000 | 56,711,000 |
| Interest expense | 4,930,000 | 10,191,000 | 15,495,000 | 20,510,000 |
| Net interest income | 8,021,000 | 17,055,000 | 26,396,000 | 36,201,000 |
| Noninterest income | 1,188,000 | 2,360,000 | 3,427,000 | 4,561,000 |
| Noninterest expense | 5,097,000 | 10,683,000 | 16,387,000 | 22,394,000 |
| Provision for loan losses | 375,000 | 1,040,000 | 1,790,000 | 2,540,000 |
| Pretax income | 3,737,000 | 7,692,000 | 11,646,000 | 15,768,000 |
| Income tax | 806,000 | 1,636,000 | 2,467,000 | 3,332,000 |
| Net income | 2,931,000 | 6,056,000 | 9,179,000 | 12,436,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,121,000 | 79,246,000 | 82,370,000 | 85,627,000 |