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Uinta Bank

IDRSSD: 85052
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
87
/ 100
StrongAs of 2025-Q3QoQ +2

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 #85052 2025-Q3 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. info
    Brokered deposits above 30%
    Liquidity — Brokered 30.8% of deposits (threshold 30%).

What changed this quarter

Compared to Q2 2025:
↑ +2 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +10
  • Reserves
    ↓ -8

The five pillars

Liquidity

StableQoQ +4
65
Sub-score

Liquidity is stable: brokered 30.8%, loans/deposits 37.5%, cash 3.1% of assets.

Cash / Assets
3.11%
Loans / Deposits
37.48%
Brokered %
30.85%

Watch Items

  • infoBrokered deposits above 30% — Brokered 30.8% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.19%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 25.01%, CET1 25.01%, leverage 12.05%.

Tier 1 RBC
25.01%
CET1
25.01%
Leverage
12.05%
No watch items at this period.

Asset Quality

StrongQoQ +10
91
Sub-score

Asset quality is strong: Adjusted NPL 1.08%, Texas Ratio 2.9%, NCO YTD 0.00%.

Adjusted NPL
1.08%
Govt-guarantees stripped
Texas Ratio
2.9%
NCO YTD
0.00%
30-89 PD
0.39%
Band 0.3% / 3.0%
90+ PD
0.52%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -8
76
Sub-score

Reserves are stable: ALLL 1.30% of loans, coverage 121.6%, true coverage 121.6%.

ALLL / Loans
1.30%
Coverage
121.6%
True Loss Coverage
121.6%
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: 2026-05-14 10:57:24 UTC