University Bancorp, Inc. is the bank holding company for University National Bank, a community-focused financial institution based in Lubbock, Texas. Through its subsidiary, the company offers a range of retail and commercial banking services designed to meet the needs of individuals, businesses and non-profit organizations. University Bancorp operates under the OTCMKTS symbol UNIB, reflecting its status as an over-the-counter publicly traded entity.
The company’s core business activities include deposit products such as checking, savings and money market accounts, as well as consumer and commercial lending. University National Bank provides a variety of loan options, including residential and commercial real estate mortgages, construction loans, agricultural financing and lines of credit tailored to small- and medium-sized enterprises. In addition, the bank offers treasury management solutions, cash management services and electronic banking platforms that support online and mobile transactions.
Geographically, University Bancorp’s operations are concentrated in the South Plains region of West Texas. Its primary branch network is anchored in Lubbock, with additional offices and loan production facilities serving communities in Midland, Odessa and surrounding counties. By focusing on locally driven decision-making and relationship banking, the company aims to support economic development in energy, agriculture and healthcare sectors prevalent in its footprint.
Founded as a community charter in Lubbock, Texas, University National Bank has a multi-decade heritage of serving local customers. The holding company structure was established in the late 1990s to provide strategic flexibility and access to capital markets. Today, University Bancorp is governed by a board of directors and managed by a team of experienced banking professionals who emphasize prudent risk management, personalized service and sustainable growth in the markets they serve.
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