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Bankunited National Association

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

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2025-Q3QoQ 0

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

Quarterly Headline

2025-Q3

Bank #3938186 2025-Q3 Vital Signs Score: 70/100 — 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 27.8% (Adjusted NPL + Performing Mods denominator).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.60% of assets (threshold 3%).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 40.5% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q2 2025:
↑ 0 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ 0
  • Reserves
    ↓ 0

The five pillars

Liquidity

StableQoQ -3
65
Sub-score

Liquidity is stable: brokered 15.6%, loans/deposits 81.3%, cash 1.6% of assets.

Cash / Assets
1.60%
Loans / Deposits
81.32%
Brokered %
15.60%

Watch Items

  • watchCash / Assets below 3% — Cash 1.60% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.48%
No watch items at this period.

Capitalization

StrongQoQ +3
88
Sub-score

Capital position is strong: Tier 1 RBC 13.19%, CET1 13.19%, leverage 9.44%.

Tier 1 RBC
13.19%
CET1
13.19%
Leverage
9.44%
No watch items at this period.

Asset Quality

StableQoQ 0
73
Sub-score

Asset quality is stable: Adjusted NPL 2.31%, Texas Ratio 15.3%, NCO YTD 0.25%.

Adjusted NPL
2.31%
Govt-guarantees stripped
Texas Ratio
15.3%
NCO YTD
0.25%
30-89 PD
0.96%
Band 0.3% / 3.0%
90+ PD
0.69%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.31% (govt-guarantees stripped).

Reserves

RiskQoQ 0
14
Sub-score

Reserves are weak: ALLL 0.93% of loans, coverage 40.5%, true coverage 27.8%.

ALLL / Loans
0.93%
Coverage
40.5%
True Loss Coverage
27.8%

Watch Items

  • infoALLL / NPL below 50% — Coverage 40.5% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 27.8% (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