Liquidity
StrongQoQ +2
82
Sub-score
Liquidity is strong: brokered 19.5%, loans/deposits 79.4%, cash 16.9% of assets.
- Cash / Assets
- 16.94%
- Loans / Deposits
- 79.43%
- Brokered %
- 19.53%
No watch items at this period.
Unibank
IDRSSD: 3487947
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2026-Q1
Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
80
/ 100
StrongAs of 2026-Q1QoQ +13
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Quarterly Headline
2026-Q1
Bank #3487947 2026-Q1 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).
Liquidity:Strong
Securities:Strong
Capitalization:Watch
Asset Quality:Strong
Reserves:Stable
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q4 2025:
↑ +13 ptscomposite
- Liquidity↑ +2
- Securities— —
- Capitalization↑ +7
- Asset Quality↑ +11
- Reserves↑ +53
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 0.0% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 0.00%
SVB watch metric
No watch items at this period.
Capitalization
WatchQoQ +7
53
Sub-score
Capital position is deteriorating: Tier 1 RBC 10.63%, CET1 10.63%, leverage 7.18%.
- Tier 1 RBC
- 10.63%
- CET1
- 10.63%
- Leverage
- 7.18%
No watch items at this period.
Asset Quality
StrongQoQ +11
99
Sub-score
Asset quality is strong: Adjusted NPL 0.57%, Texas Ratio 4.6%, NCO YTD -1.44%.
- Adjusted NPL
- 0.57%
- Texas Ratio
- 4.6%
- NCO YTD
- -1.44%
- 30-89 PD
- 0.08%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StableQoQ +53
72
Sub-score
Reserves are stable: ALLL 1.13% of loans, coverage 201.5%, true coverage 66.7%.
- ALLL / Loans
- 1.13%
- Coverage
- 201.5%
- True Loss Coverage
- 66.7%
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.tsfor 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