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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2024-Q4QoQ -2

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

Quarterly Headline

2024-Q4

Bank #3938186 2024-Q4 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 32.0% (Adjusted NPL + Performing Mods denominator).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.39% of assets (threshold 3%).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 46.8% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q3 2024:
↓ -2 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -4

The five pillars

Liquidity

StableQoQ -3
61
Sub-score

Liquidity is stable: brokered 18.5%, loans/deposits 85.5%, cash 1.4% of assets.

Cash / Assets
1.39%
Loans / Deposits
85.46%
Brokered %
18.52%

Watch Items

  • watchCash / Assets below 3% — Cash 1.39% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.58%
No watch items at this period.

Capitalization

StrongQoQ +1
92
Sub-score

Capital position is strong: Tier 1 RBC 13.70%, CET1 13.70%, leverage 9.65%.

Tier 1 RBC
13.70%
CET1
13.70%
Leverage
9.65%
No watch items at this period.

Asset Quality

StableQoQ -2
74
Sub-score

Asset quality is stable: Adjusted NPL 1.98%, Texas Ratio 13.0%, NCO YTD 0.29%.

Adjusted NPL
1.98%
Govt-guarantees stripped
Texas Ratio
13.0%
NCO YTD
0.29%
30-89 PD
0.84%
Band 0.3% / 3.0%
90+ PD
0.94%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -4
15
Sub-score

Reserves are weak: ALLL 0.92% of loans, coverage 46.8%, true coverage 32.0%.

ALLL / Loans
0.92%
Coverage
46.8%
True Loss Coverage
32.0%

Watch Items

  • infoALLL / NPL below 50% — Coverage 46.8% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 32.0% (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