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Unibank

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

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
66
/ 100
StableAs of 2024-Q3QoQ -20

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

Quarterly Headline

2024-Q3

Bank #3487947 2024-Q3 Vital Signs Score: 66/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

Liquidity:Strong
Securities:Strong
Capitalization:Watch
Asset Quality:Risk
Reserves:Strong

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 10.66% of loans.
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.91% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2024:
↓ -20 ptscomposite
  • Liquidity
    ↑ +11
  • Securities
    — —
  • Capitalization
    ↓ -45
  • Asset Quality
    ↓ -42
  • Reserves
    ↓ -4

The five pillars

Liquidity

StrongQoQ +11
82
Sub-score

Liquidity is strong: brokered 14.3%, loans/deposits 87.6%, cash 12.4% of assets.

Cash / Assets
12.38%
Loans / Deposits
87.57%
Brokered %
14.33%
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

WatchQoQ -45
43
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.56%, CET1 9.56%, leverage 7.47%.

Tier 1 RBC
9.56%
CET1
9.56%
Leverage
7.47%
No watch items at this period.

Asset Quality

RiskQoQ -42
36
Sub-score

Asset quality is weak: Adjusted NPL 3.91%, Texas Ratio 22.2%, NCO YTD 10.66%.

Adjusted NPL
3.91%
Govt-guarantees stripped
Texas Ratio
22.2%
NCO YTD
10.66%
30-89 PD
4.10%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.91% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 10.66% of loans.

Reserves

StrongQoQ -4
96
Sub-score

Reserves are strong: ALLL 6.59% of loans, coverage 180.6%, true coverage 180.6%.

ALLL / Loans
6.59%
Coverage
180.6%
True Loss Coverage
180.6%
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 08:52:29 UTC