Liquidity
StrongQoQ +3
96
Sub-score
Liquidity is strong: brokered 5.3%, loans/deposits 63.9%.
- Cash / Assets
- —
- Loans / Deposits
- 63.88%
- Brokered %
- 5.25%
No watch items at this period.
Umb Bank National Association
IDRSSD: 936855
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
88
/ 100
StrongAs of 2023-Q4QoQ -8
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 #936855 2023-Q4 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).
Liquidity:Strong
Securities:Strong
Capitalization:Stable
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:
↓ -8 ptscomposite
- Liquidity↑ +3
- Securities— —
- Capitalization— —
- Asset Quality— —
- Reserves— —
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 16.0% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 15.99%
SVB watch metric
No watch items at this period.
Capitalization
Stable
67
Sub-score
Capital position is stable: Tier 1 RBC 11.21%, leverage 8.47%.
- Tier 1 RBC
- 11.21%
- CET1
- —
- Leverage
- 8.47%
No watch items at this period.
Asset Quality
Strong
100
Sub-score
Asset quality is strong: Adjusted NPL 0.07%, Texas Ratio 0.4%, NCO YTD 0.02%.
- Adjusted NPL
- 0.07%
- Texas Ratio
- 0.4%
- NCO YTD
- 0.02%
- 30-89 PD
- 0.05%
- 90+ PD
- 0.01%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
Strong
82
Sub-score
Reserves are strong: ALLL 0.95% of loans, coverage 1346.2%, true coverage 1332.8%.
- ALLL / Loans
- 0.95%
- Coverage
- 1346.2%
- True Loss Coverage
- 1332.8%
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.tsfor 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 15:11:22 UTC