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Union Bank

IDRSSD: 235231
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2025-Q1QoQ +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-Q1

Bank #235231 2025-Q1 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 29.0% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q4 2024:
↑ +1 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +4
  • Reserves
    ↓ -1

The five pillars

Liquidity

StrongQoQ +2
93
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 39.7%, cash 7.0% of assets.

Cash / Assets
6.98%
Loans / Deposits
39.65%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 16.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
16.41%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 21.68%, CET1 21.68%, leverage 10.81%.

Tier 1 RBC
21.68%
CET1
21.68%
Leverage
10.81%
No watch items at this period.

Asset Quality

StrongQoQ +4
93
Sub-score

Asset quality is strong: Adjusted NPL 0.67%, Texas Ratio 2.3%, NCO YTD -0.03%.

Adjusted NPL
0.67%
Govt-guarantees stripped
Texas Ratio
2.3%
NCO YTD
-0.03%
30-89 PD
1.09%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -1
24
Sub-score

Reserves are weak: ALLL 0.79% of loans, coverage 117.4%, true coverage 29.0%.

ALLL / Loans
0.79%
Coverage
117.4%
True Loss Coverage
29.0%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 29.0% (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 13:15:45 UTC