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Ulster Savings Bank

IDRSSD: 301800
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
90
/ 100
StrongAs of 2023-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

2023-Q4

Bank #301800 2023-Q4 Vital Signs Score: 90/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2023:
↓ -1 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↓ -2
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -7
72
Sub-score

Liquidity is stable: brokered 2.3%, loans/deposits 92.3%, cash 3.0% of assets.

Cash / Assets
3.01%
Loans / Deposits
92.35%
Brokered %
2.34%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.19%
No watch items at this period.

Capitalization

StrongQoQ +4
91
Sub-score

Capital position is strong: Tier 1 RBC 12.97%, CET1 12.97%, leverage 9.25%.

Tier 1 RBC
12.97%
CET1
12.97%
Leverage
9.25%
No watch items at this period.

Asset Quality

StrongQoQ -2
98
Sub-score

Asset quality is strong: Adjusted NPL 0.42%, Texas Ratio 3.1%, NCO YTD 0.03%.

Adjusted NPL
0.42%
Govt-guarantees stripped
Texas Ratio
3.1%
NCO YTD
0.03%
30-89 PD
0.62%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
88
Sub-score

Reserves are strong: ALLL 1.13% of loans, coverage 270.9%, true coverage 126.8%.

ALLL / Loans
1.13%
Coverage
270.9%
True Loss Coverage
126.8%
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: 2026-05-15 01:34:52 UTC