Call reports 2025
UNITY NATIONAL BANK OF HOUSTON — 2025
What UNITY NATIONAL BANK OF HOUSTON 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 | 202,617,000 | 229,967,000 | 233,024,000 | 227,767,000 |
| Total loans | 117,887,000 | 141,547,000 | 143,545,000 | 137,525,000 |
| Allowance for loan losses | 1,859,000 | 1,985,000 | 1,948,000 | 2,006,000 |
| Securities available for sale | 56,332,000 | 54,776,000 | 53,779,000 | 51,842,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,454,000 | 199,034,000 | 202,419,000 | 197,079,000 |
| Interest-bearing deposits | 146,165,000 | 174,968,000 | 170,657,000 | 170,140,000 |
| Noninterest-bearing deposits | 24,289,000 | 24,066,000 | 31,762,000 | 26,939,000 |
| Equity capital | 26,351,000 | 27,358,000 | 28,170,000 | 28,082,000 |
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 | 2,529,000 | 5,483,000 | 8,459,000 | 11,699,000 |
| Interest expense | 1,207,000 | 2,616,000 | 4,190,000 | 5,721,000 |
| Net interest income | 1,322,000 | 2,867,000 | 4,269,000 | 5,978,000 |
| Noninterest income | 11,703,000 | 23,432,000 | 33,633,000 | 42,861,000 |
| Noninterest expense | 12,225,000 | 24,767,000 | 35,874,000 | 45,815,000 |
| Provision for loan losses | 252,000 | 360,000 | 562,000 | 500,000 |
| Pretax income | 548,000 | 1,172,000 | 1,466,000 | 2,524,000 |
| Income tax | 163,000 | 235,000 | 295,000 | 520,000 |
| Net income | 385,000 | 937,000 | 1,171,000 | 2,004,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,497,000 | 32,049,000 | 32,283,000 | 33,116,000 |
| Total capital | 32,890,000 | 33,442,000 | 33,605,000 | 34,357,000 |
| Risk-weighted assets | 110,888,000 | 110,746,000 | 105,036,000 | 98,443,000 |