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Unified Bank

IDRSSD: 584724
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 3 alerts active.

Summary

RSSD 584724 held $852.6M in total assets as of 2026-03-31 (+0.1% quarter-over-quarter). Total loans stood at $495.9M (+1.8% QoQ) and total deposits at $681.4M (+3.7% QoQ).

Overall position is adequate — the composite Health Score is 42/100 (Adequate). Tier 1 / RWA stands at 12.40%, in the below median of peers. Asset quality (NPL ratio) sits in the bottom quartile of peers.

3 Quarterly Anomaly Alerts fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
42/100
Adequate
Active Alerts
3
0 critical, 3 warning
Total Assets
$852.6M
+0.1% QoQ
Total Loans
$495.9M
+1.8% QoQ
Total Deposits
$681.4M
+3.7% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
12.40%
27th pctile · n=323↑ better
-33 bp QoQ
CET1 / RWA
12.40%
53th pctile · n=500↑ better
-33 bp QoQ
Total RBC / RWA
13.07%
19th pctile · n=323↑ better
-35 bp QoQ
Tier 1 Leverage Ratio
12.40%
53th pctile · n=500↑ better
-33 bp QoQ

Liquidity

Cash / Assets
3.23%
24th pctile · n=500↑ better
-222 bp QoQ
Loans / Deposits
72.78%
28th pctile · n=498↓ better
-134 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
1.30%
79th pctile · n=500↓ better
+83 bp QoQ
NPA / Assets
1.06%
81th pctile · n=500↓ better
+49 bp QoQ
Texas Ratio (regulatory)
10.91%
86th pctile · n=500↓ better
+510 bp QoQ
Net Charge-Offs / Avg Loans
0.03%
72th pctile · n=500↓ better
-11 bp QoQ
ALLL Coverage of NPL
65.60%
20th pctile · n=500↑ better
-12244 bp QoQ

Earnings

Net Interest Margin
3.69%
44th pctile · n=500↑ better
-13 bp QoQ
Return on Assets
1.31%
55th pctile · n=500↑ better
-5 bp QoQ
Return on Equity
15.33%
70th pctile · n=500↑ better
-72 bp QoQ
Efficiency Ratio
65.77%
63th pctile · n=500↓ better
-227 bp QoQ
Pre-tax NOI / Avg Assets
1.33%
40th pctile · n=500↑ better
-10 bp QoQ

Funding

Brokered / Deposits
0.00%
21th pctile · n=498↓ better
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
7.04%
83th pctile · n=500↓ better
-260 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
27.72%
81th pctile · n=500↑ better
+22 bp QoQ
AFS Securities / Assets
27.72%
87th pctile · n=500↑ better
+22 bp QoQ
HTM Securities / Assets
0.00%
28th pctile · n=500↑ better

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-14 23:36:34 UTC