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Unico Bank

IDRSSD: 975153
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2023-Q4QoQ -11

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

Quarterly Headline

2023-Q4

Bank #975153 2023-Q4 Vital Signs Score: 71/100 — 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. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.69% of loans.

What changed this quarter

Compared to Q3 2023:
↓ -11 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ -6
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -7
73
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 93.7%, cash 3.0% of assets.

Cash / Assets
3.04%
Loans / Deposits
93.70%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.39%
No watch items at this period.

Capitalization

WatchQoQ 0
56
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.95%, CET1 9.95%, leverage 8.12%.

Tier 1 RBC
9.95%
CET1
9.95%
Leverage
8.12%
No watch items at this period.

Asset Quality

StrongQoQ -6
94
Sub-score

Asset quality is strong: Adjusted NPL 0.95%, Texas Ratio 9.3%, NCO YTD 0.23%.

Adjusted NPL
0.95%
Govt-guarantees stripped
Texas Ratio
9.3%
NCO YTD
0.23%
30-89 PD
0.34%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Risk
27
Sub-score

Reserves are weak: ALLL 0.69% of loans, coverage 73.1%, true coverage 63.7%.

ALLL / Loans
0.69%
Coverage
73.1%
True Loss Coverage
63.7%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.69% of loans.

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 06:25:53 UTC