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Unibank For Savings

IDRSSD: 709602
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 4 alerts active.

Summary

RSSD 709602 held $2.9B in total assets as of 2026-03-31 (+6.6% quarter-over-quarter). Total loans stood at $2.1B (-0.7% QoQ) and total deposits at $2.4B (+10.4% QoQ).

Overall position is adequate — the composite Health Score is 55/100 (Adequate). Tier 1 / RWA stands at 13.86%, in the above median of peers. Asset quality (NPL ratio) sits in the below median of peers.

4 Quarterly Anomaly Alerts fired this quarter, including 1 critical-severity row. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
55/100
Adequate
Active Alerts
4
1 critical, 1 warning
Total Assets
$2.9B
+6.6% QoQ
Total Loans
$2.1B
-0.7% QoQ
Total Deposits
$2.4B
+10.4% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
13.86%
58th pctile · n=328↑ better
+47 bp QoQ
CET1 / RWA
13.86%
68th pctile · n=410↑ better
+47 bp QoQ
Total RBC / RWA
15.11%
60th pctile · n=328↑ better
+48 bp QoQ
Tier 1 Leverage Ratio
13.86%
66th pctile · n=410↑ better
+47 bp QoQ

Liquidity

Cash / Assets
7.60%
64th pctile · n=410↑ better
+613 bp QoQ
Loans / Deposits
88.12%
56th pctile · n=409↓ better
-985 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.68%
58th pctile · n=410↓ better
-7 bp QoQ
NPA / Assets
0.49%
51th pctile · n=410↓ better
-9 bp QoQ
Texas Ratio (regulatory)
4.79%
57th pctile · n=410↓ better
-68 bp QoQ
Net Charge-Offs / Avg Loans
-0.01%
10th pctile · n=410↓ better
-40 bp QoQ
ALLL Coverage of NPL
210.33%
55th pctile · n=410↑ better
+2678 bp QoQ

Earnings

Net Interest Margin
3.09%
20th pctile · n=410↑ better
-1 bp QoQ
Return on Assets
0.96%
31th pctile · n=410↑ better
+16 bp QoQ
Return on Equity
12.05%
53th pctile · n=410↑ better
+192 bp QoQ
Efficiency Ratio
61.40%
54th pctile · n=410↓ better
+43 bp QoQ
Pre-tax NOI / Avg Assets
1.26%
35th pctile · n=410↑ better
+18 bp QoQ

Funding

Brokered / Deposits
11.67%
83th pctile · n=409↓ better
+637 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
0.00%
13th pctile · n=410↓ better
-336 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
18.29%
68th pctile · n=410↑ better
-44 bp QoQ
AFS Securities / Assets
16.87%
72th pctile · n=410↑ better
-23 bp QoQ
HTM Securities / Assets
1.42%
76th pctile · n=410↑ better
-21 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-14 19:43:14 UTC