United Central Bank

4555 West Walnut Street
Garland, TX 75042
800-787-0755
www.ucbtx.com

FDIC

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United Central Bank is headquartered in Garland and is the 26^th largest bank in the state of Texas. It is also the 375^th largest bank in the nation. It was established in 1984 and as of December of 2012, it had grown to 342 employees at 25 locations. United Central Bank has a 2-star health rating.

Competitive CD & IRA CD Rates at United Central Bank in Several States - 9/20/2011

Banks sometimes offer higher rates on IRA CDs than regular CDs. That's the case with United Central Bank which is offering IRA CD rates that are 25 basis points higher than its regular CD rates. The m ...

Highest Money Market Account Tier That I've Seen (Forum) - 10/31/2010

I've never seen a money market tier with a balance this high. The top rate of United Central's Global Money Market is very competitive at 1.75% APY. HOWEVER, this requires a balance of $10 million. The rate for the next tier is only 1.35% APY, and this re

United Central Bank's Super Saver Installment CD - Available in Several States - 5/11/2010

United Central Bank has an installment savings accounts called the Super Saver Installment CD. It's an installment savings account in which you make equal monthly deposits during the term rather than ...

2.00% 14-Month CD & a Jumbo Money Market Deal at United Central Bank in Several States - 11/29/2009

United Central Bank is offering a special CD called the Year End Bonus CD. It's a 14-month CD paying 2.00% APY. Minimum deposit is $1,000, and it requires a checking account. Offer is scheduled to last through 12/31/09. The special is listed at the...

2009

2008

11/28 - 4.00% 9-Month / 4.20% 22-Month CD at United Central Bank in TX, CA, GA, MD, VA

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See Rates for: Checking | Savings | Money Market | CD | IRA

United Central Bank Checking Account Rates

Apy	Min	Max	Product
0.25%	$50k	-	Global Supreme Checking
0.10%	$10k	-	Global Value Checking

United Central Bank Savings Account Rates

	Apy	Min	Max	Product
	0.25%	$50k	-	Global Savings

United Central Bank Money Market Rates

	Apy	Min	Max	Product
	0.60%	$500k	-	Global Money Market

United Central Bank CD Rates

Apy	Min	Max	Product
1.30%	$1k	-	60 Month CD
1.05%	$1k	-	48 Month CD
0.90%	$1k	-	36 Month CD
0.70%	$1k	-	24 Month CD
0.65%	$1k	-	18 Month CD
0.50%	$1k	-	12 Month CD
0.20%	$1k	-	6 Month CD
0.15%	$1k	-	3 Month CD

United Central Bank IRA Rates

Apy	Min	Max	Product
1.30%	$1k	-	60 Month IRA
1.05%	$1k	-	48 Month IRA
0.90%	$500	-	36 Month IRA
0.70%	$500	-	24 Month IRA
0.65%	$500	-	18 Month IRA
0.50%	$500	-	12 Month IRA

Rates updated: 5/19/2013

Data for Q4 2012

Institution Statistics

United Central Bank
FDIC Certificate #	25330
BankRate Report	View
Year Established	1984
Employees	342
Primary Regulator	FDIC
Assets and Liabilities
Assets	$1.86 billion
Loans	$928.60 million
Deposits	$1.64 billion
Equity Capital	$157.07 million
Loan Loss Allowance	$79.93 million
Unbacked Noncurrent Loans	$374.66 million
Real Estate Owned	$21.45 million
Historic Data - December 2011
Assets	$2.35 billion
Equity Capital	$157.79 million
Loan Loss Allowance	$101.43 million
Unbacked Noncurrent Loans	$458.95 million
Real Estate Owned	$25.45 million
Profit Margin - Quarterly
Net Interest Margin	3.96%
Return on Assets	-0.07%
Return on Equity	-0.86%
Interest Income	$91.30 million

Institution Health

Overall Score:

2 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 United Central Bank had $396.11 million in non-current loans and owned real-estate with $237 million in equity and loan loss allowances on hand to cover it. This gives United Central Bank a Texas Ratio of 167.14% which is poor. 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 held steady from 186.94% as of December 31, 2011 to 167.14% as of December 31, 2012, resulting in a positive change of 10.59%.This indicates that the balance sheet and financial strength for United Central Bank has held steady in recent periods.
Deposit Growth
In the past year, United Central Bank has decreased its total deposits by -$418.03 million, resulting in -20.29% 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.
Capitalization
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 $1.86 billion in assets with $237 million in equity, resulting in a capitalization level of 12.73%, which is excellent.