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Bankunited National Association

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

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2024-Q1QoQ +3

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

Quarterly Headline

2024-Q1

Bank #3938186 2024-Q1 Vital Signs Score: 74/100 — 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 1.20% of assets (threshold 3%).
  2. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.07%.

What changed this quarter

Compared to Q4 2023:
↑ +3 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ +7

The five pillars

Liquidity

WatchQoQ +1
59
Sub-score

Liquidity is deteriorating: brokered 18.9%, loans/deposits 87.9%, cash 1.2% of assets.

Cash / Assets
1.20%
Loans / Deposits
87.91%
Brokered %
18.87%

Watch Items

  • watchCash / Assets below 3% — Cash 1.20% 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
0.40%
No watch items at this period.

Capitalization

StrongQoQ +3
93
Sub-score

Capital position is strong: Tier 1 RBC 13.41%, CET1 13.41%, leverage 9.30%.

Tier 1 RBC
13.41%
CET1
13.41%
Leverage
9.30%
No watch items at this period.

Asset Quality

StableQoQ +3
78
Sub-score

Asset quality is stable: Adjusted NPL 1.55%, Texas Ratio 10.4%, NCO YTD 0.02%.

Adjusted NPL
1.55%
Govt-guarantees stripped
Texas Ratio
10.4%
NCO YTD
0.02%
30-89 PD
0.96%
Band 0.3% / 3.0%
90+ PD
1.07%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.07%.

Reserves

RiskQoQ +7
26
Sub-score

Reserves are weak: ALLL 0.90% of loans, coverage 58.6%, true coverage 52.3%.

ALLL / Loans
0.90%
Coverage
58.6%
True Loss Coverage
52.3%
No watch items at this period.

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