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Unibank

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

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
59
/ 100
WatchAs of 2024-Q4QoQ -7

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

Quarterly Headline

2024-Q4

Bank #3487947 2024-Q4 Vital Signs Score: 59/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (risk).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 25.65% of loans.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.86% (govt-guarantees stripped).
  3. info
    Tier 1 RBC below 8%
    Capitalization — Tier 1 RBC 7.53% (PCA threshold 8%).

What changed this quarter

Compared to Q3 2024:
↓ -7 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -29
  • Asset Quality
    ↑ +23
  • Reserves
    ↓ -35

The five pillars

Liquidity

StrongQoQ -1
81
Sub-score

Liquidity is strong: brokered 15.1%, loans/deposits 87.8%, cash 11.8% of assets.

Cash / Assets
11.81%
Loans / Deposits
87.79%
Brokered %
15.07%
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

RiskQoQ -29
14
Sub-score

Capital position is weak: Tier 1 RBC 7.53%, CET1 7.53%, leverage 5.60%.

Tier 1 RBC
7.53%
CET1
7.53%
Leverage
5.60%

Watch Items

  • infoTier 1 RBC below 8% — Tier 1 RBC 7.53% (PCA threshold 8%).

Asset Quality

WatchQoQ +23
59
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.86%, Texas Ratio 27.1%, NCO YTD 25.65%.

Adjusted NPL
2.86%
Govt-guarantees stripped
Texas Ratio
27.1%
NCO YTD
25.65%
30-89 PD
0.50%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.86% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 25.65% of loans.

Reserves

StableQoQ -35
61
Sub-score

Reserves are stable: ALLL 2.43% of loans, coverage 87.1%, true coverage 70.0%.

ALLL / Loans
2.43%
Coverage
87.1%
True Loss Coverage
70.0%
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