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Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 United Central Bank had $128.34 million in non-current loans and owned real-estate with $185.44 million in equity and loan loss allowances on hand to cover it. This gives United Central Bank a Texas Ratio of 69.21% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for United Central Bank decreased dramatically from 177.87% as of June 30, 2013 to 69.21% as of June 30, 2014, resulting in a positive change of 61.09%.This indicates that the balance sheet and financial strength for United Central Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, United Central Bank has decreased its total deposits by -$379.86 million, resulting in -25.46% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth United Central Bank has shown is poor.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. United Central Bank has $1.29 billion in assets with $185.44 million in equity, resulting in a capitalization level of 14.40%, which is excellent.

Institution Statistics

FDIC Certificate #25330
Year Established1984
Primary RegulatorFDIC
Assets and Liabilities
Assets$1.29 billion
Loans$361.69 million
Deposits$1.11 billion
Equity Capital$138.41 million
Loan Loss Allowance$47.03 million
Unbacked Noncurrent Loans$119.29 million
Real Estate Owned$9.06 million
Historic Data - June 2013
Assets$1.69 billion
Equity Capital$144.04 million
Loan Loss Allowance$67.94 million
Unbacked Noncurrent Loans$119.29 million
Real Estate Owned$14.05 million
Profit Margin - Quarterly
Return on Assets-0.17%
Return on Equity-1.63%
Interest Income$26.62 million

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United Central Bank Savings Account Rates

0.25%$50k-Global Savings

United Central Bank Money Market Rates

0.25%$500k-Global Money Market

United Central Bank Checking Account Rates

0.15%$50k-Global Supreme Checking
0.10%$10k-Global Value Checking

United Central Bank CD Rates

0.80%$1k-60 Month CD
0.70%$1k-36 Month CD
0.70%$1k-48 Month CD
0.65%$1k-24 Month CD
0.55%$1k-18 Month CD
0.45%$1k-12 Month CD
0.20%$1k-6 Month CD
0.15%$1k-3 Month CD

United Central Bank IRA Rates

0.80%$1k-60 Month IRA
0.70%$500-36 Month IRA
0.70%$1k-48 Month IRA
0.65%$500-24 Month IRA
0.55%$500-18 Month IRA
0.45%$500-12 Month IRA

United Central Bank has 24 locations. Click to view all United Central Bank locations.