Visbanking Logo
Skip to main content

Unibank

IDRSSD: 3487947
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2024-Q1QoQ 0

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q1

Bank #3487947 2024-Q1 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 9.35% of loans.

What changed this quarter

Compared to Q4 2023:
↑ 0 ptscomposite
  • Liquidity
    ↓ -8
  • Securities
    — —
  • Capitalization
    ↓ -9
  • Asset Quality
    ↓ -6
  • Reserves
    ↑ +38

The five pillars

Liquidity

StableQoQ -8
69
Sub-score

Liquidity is stable: brokered 18.0%, loans/deposits 97.4%, cash 7.8% of assets.

Cash / Assets
7.82%
Loans / Deposits
97.38%
Brokered %
17.97%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ -9
91
Sub-score

Capital position is strong: Tier 1 RBC 12.56%, CET1 12.56%, leverage 10.18%.

Tier 1 RBC
12.56%
CET1
12.56%
Leverage
10.18%
No watch items at this period.

Asset Quality

StableQoQ -6
79
Sub-score

Asset quality is stable: Adjusted NPL 1.00%, Texas Ratio 6.1%, NCO YTD 9.35%.

Adjusted NPL
1.00%
Govt-guarantees stripped
Texas Ratio
6.1%
NCO YTD
9.35%
30-89 PD
0.12%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 9.35% of loans.

Reserves

StrongQoQ +38
100
Sub-score

Reserves are strong: ALLL 3.07% of loans, coverage 316.0%, true coverage 316.0%.

ALLL / Loans
3.07%
Coverage
316.0%
True Loss Coverage
316.0%
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 08:52:29 UTC