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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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
55
/ 100
WatchAs of 2025-Q1QoQ -4

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

Quarterly Headline

2025-Q1

Bank #3487947 2025-Q1 Vital Signs Score: 55/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (risk).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 6.02% of loans.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.84% (govt-guarantees stripped).
  3. info
    Tier 1 RBC below 8%
    Capitalization — Tier 1 RBC 7.76% (PCA threshold 8%).

What changed this quarter

Compared to Q4 2024:
↓ -4 ptscomposite
  • Liquidity
    ↓ -15
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↑ +1
  • Reserves
    ↓ -12

The five pillars

Liquidity

StableQoQ -15
66
Sub-score

Liquidity is stable: brokered 17.2%, loans/deposits 93.7%, cash 5.1% of assets.

Cash / Assets
5.11%
Loans / Deposits
93.70%
Brokered %
17.20%
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 +3
17
Sub-score

Capital position is weak: Tier 1 RBC 7.76%, CET1 7.76%, leverage 5.98%.

Tier 1 RBC
7.76%
CET1
7.76%
Leverage
5.98%

Watch Items

  • infoTier 1 RBC below 8% — Tier 1 RBC 7.76% (PCA threshold 8%).

Asset Quality

StableQoQ +1
60
Sub-score

Asset quality is stable: Adjusted NPL 2.84%, Texas Ratio 28.2%, NCO YTD 6.02%.

Adjusted NPL
2.84%
Govt-guarantees stripped
Texas Ratio
28.2%
NCO YTD
6.02%
30-89 PD
0.15%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.84% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 6.02% of loans.

Reserves

WatchQoQ -12
48
Sub-score

Reserves are deteriorating: ALLL 1.91% of loans, coverage 68.5%, true coverage 52.7%.

ALLL / Loans
1.91%
Coverage
68.5%
True Loss Coverage
52.7%
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