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Bankunited National Association

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

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
69
/ 100
StableAs of 2025-Q4QoQ -1

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

Quarterly Headline

2025-Q4

Bank #3938186 2025-Q4 Vital Signs Score: 69/100 — 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. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.62% of assets (threshold 3%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 33.9% (Adjusted NPL + Performing Mods denominator).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 41.3% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q3 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↑ 0
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ -2
63
Sub-score

Liquidity is stable: brokered 16.4%, loans/deposits 81.2%, cash 0.6% of assets.

Cash / Assets
0.62%
Loans / Deposits
81.23%
Brokered %
16.42%

Watch Items

  • riskCash / Assets below 3% — Cash 0.62% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.77%
No watch items at this period.

Capitalization

StrongQoQ -5
83
Sub-score

Capital position is strong: Tier 1 RBC 12.73%, CET1 12.73%, leverage 9.25%.

Tier 1 RBC
12.73%
CET1
12.73%
Leverage
9.25%
No watch items at this period.

Asset Quality

StableQoQ 0
73
Sub-score

Asset quality is stable: Adjusted NPL 2.21%, Texas Ratio 15.2%, NCO YTD 0.42%.

Adjusted NPL
2.21%
Govt-guarantees stripped
Texas Ratio
15.2%
NCO YTD
0.42%
30-89 PD
0.82%
Band 0.3% / 3.0%
90+ PD
0.66%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.21% (govt-guarantees stripped).

Reserves

RiskQoQ +1
15
Sub-score

Reserves are weak: ALLL 0.91% of loans, coverage 41.3%, true coverage 33.9%.

ALLL / Loans
0.91%
Coverage
41.3%
True Loss Coverage
33.9%

Watch Items

  • infoALLL / NPL below 50% — Coverage 41.3% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 33.9% (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