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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
66
/ 100
StableAs of 2025-Q3QoQ +1

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

Quarterly Headline

2025-Q3

Bank #3487947 2025-Q3 Vital Signs Score: 66/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 35.8% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q2 2025:
↑ +1 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↑ +8
  • Reserves
    ↓ -11

The five pillars

Liquidity

StableQoQ -2
76
Sub-score

Liquidity is stable: brokered 18.8%, loans/deposits 86.4%, cash 8.6% of assets.

Cash / Assets
8.61%
Loans / Deposits
86.44%
Brokered %
18.77%
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 +4
42
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.62%, CET1 9.62%, leverage 7.32%.

Tier 1 RBC
9.62%
CET1
9.62%
Leverage
7.32%
No watch items at this period.

Asset Quality

StrongQoQ +8
88
Sub-score

Asset quality is strong: Adjusted NPL 1.79%, Texas Ratio 16.3%, NCO YTD 0.02%.

Adjusted NPL
1.79%
Govt-guarantees stripped
Texas Ratio
16.3%
NCO YTD
0.02%
30-89 PD
0.09%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -11
22
Sub-score

Reserves are weak: ALLL 1.03% of loans, coverage 58.1%, true coverage 35.8%.

ALLL / Loans
1.03%
Coverage
58.1%
True Loss Coverage
35.8%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 35.8% (Adjusted NPL + Performing Mods denominator).

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