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The Union State Bank Of Everest

IDRSSD: 736550
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
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
83
/ 100
StrongAs of 2025-Q4QoQ 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-Q4

Bank #736550 2025-Q4 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.52% of assets (threshold 3%).

What changed this quarter

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

The five pillars

Liquidity

StableQoQ 0
72
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 87.3%, cash 1.5% of assets.

Cash / Assets
1.52%
Loans / Deposits
87.30%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.52% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.73%
No watch items at this period.

Capitalization

StableQoQ -2
77
Sub-score

Capital position is stable: Tier 1 RBC 12.07%, CET1 12.07%, leverage 9.24%.

Tier 1 RBC
12.07%
CET1
12.07%
Leverage
9.24%
No watch items at this period.

Asset Quality

StrongQoQ -2
91
Sub-score

Asset quality is strong: Adjusted NPL 1.00%, Texas Ratio 7.3%, NCO YTD -0.02%.

Adjusted NPL
1.00%
Govt-guarantees stripped
Texas Ratio
7.3%
NCO YTD
-0.02%
30-89 PD
0.95%
Band 0.3% / 3.0%
90+ PD
0.08%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +2
75
Sub-score

Reserves are stable: ALLL 1.24% of loans, coverage 125.7%, true coverage 123.4%.

ALLL / Loans
1.24%
Coverage
125.7%
True Loss Coverage
123.4%
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: 2026-05-13 12:03:06 UTC