Visbanking Logo
Skip to main content

Union Bank And Trust Company

IDRSSD: 689759
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2025-Q2QoQ +6

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

Quarterly Headline

2025-Q2

Bank #689759 2025-Q2 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.01% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↑ +6 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +14
  • Reserves
    ↑ +19

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 58.8%, cash 20.3% of assets.

Cash / Assets
20.27%
Loans / Deposits
58.76%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 10.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
10.52%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.96%, CET1 16.96%, leverage 10.87%.

Tier 1 RBC
16.96%
CET1
16.96%
Leverage
10.87%
No watch items at this period.

Asset Quality

StableQoQ +14
77
Sub-score

Asset quality is stable: Adjusted NPL 3.01%, Texas Ratio 14.2%, NCO YTD 0.00%.

Adjusted NPL
3.01%
Govt-guarantees stripped
Texas Ratio
14.2%
NCO YTD
0.00%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.18%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.01% (govt-guarantees stripped).

Reserves

WatchQoQ +19
54
Sub-score

Reserves are deteriorating: ALLL 1.96% of loans, coverage 66.5%, true coverage 66.5%.

ALLL / Loans
1.96%
Coverage
66.5%
True Loss Coverage
66.5%
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: 2026-05-13 00:06:58 UTC