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The Union Banking Company

IDRSSD: 289225
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2025-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

2025-Q1

Bank #289225 2025-Q1 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.84% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2024:
↓ -3 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -13
  • Reserves
    ↑ +3

The five pillars

Liquidity

Strong
80
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 15.9%, cash 0.8% of assets.

Cash / Assets
0.84%
Loans / Deposits
15.95%
Brokered %
0.00%

Watch Items

  • riskCash / Assets below 3% — Cash 0.84% 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
0.83%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 36.01%, CET1 36.01%, leverage 11.37%.

Tier 1 RBC
36.01%
CET1
36.01%
Leverage
11.37%
No watch items at this period.

Asset Quality

StableQoQ -13
74
Sub-score

Asset quality is stable: Adjusted NPL 0.87%, Texas Ratio 0.9%, NCO YTD -0.06%.

Adjusted NPL
0.87%
Govt-guarantees stripped
Texas Ratio
0.9%
NCO YTD
-0.06%
30-89 PD
2.84%
Band 0.3% / 3.0%
90+ PD
0.87%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +3
71
Sub-score

Reserves are stable: ALLL 1.10% of loans, coverage 128.3%, true coverage 128.3%.

ALLL / Loans
1.10%
Coverage
128.3%
True Loss Coverage
128.3%
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: 2026-05-12 14:26:58 UTC