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Bankunited National Association

IDRSSD: 3938186
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2023-Q4QoQ -15

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #3938186 2023-Q4 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Watch
Securities:Strong
Capitalization:Strong
Asset Quality:Stable
Reserves:Risk

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.65% of assets (threshold 3%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 45.9% (Adjusted NPL + Performing Mods denominator).
  3. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.14%.

What changed this quarter

Compared to Q3 2023:
↓ -15 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↓ -25
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ 0
58
Sub-score

Liquidity is deteriorating: brokered 19.8%, loans/deposits 91.1%, cash 1.6% of assets.

Cash / Assets
1.65%
Loans / Deposits
91.08%
Brokered %
19.80%

Watch Items

  • watchCash / Assets below 3% — Cash 1.65% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.39%
No watch items at this period.

Capitalization

StrongQoQ +4
91
Sub-score

Capital position is strong: Tier 1 RBC 13.09%, CET1 13.09%, leverage 9.09%.

Tier 1 RBC
13.09%
CET1
13.09%
Leverage
9.09%
No watch items at this period.

Asset Quality

StableQoQ -25
75
Sub-score

Asset quality is stable: Adjusted NPL 1.66%, Texas Ratio 11.6%, NCO YTD 0.16%.

Adjusted NPL
1.66%
Govt-guarantees stripped
Texas Ratio
11.6%
NCO YTD
0.16%
30-89 PD
1.06%
Band 0.3% / 3.0%
90+ PD
1.14%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.14%.

Reserves

Risk
18
Sub-score

Reserves are weak: ALLL 0.82% of loans, coverage 50.1%, true coverage 45.9%.

ALLL / Loans
0.82%
Coverage
50.1%
True Loss Coverage
45.9%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 45.9% (Adjusted NPL + Performing Mods denominator).

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 10:54:39 UTC