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Union Bank

IDRSSD: 235231
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
81
/ 100
StrongAs of 2025-Q2QoQ -4

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 #235231 2025-Q2 Vital Signs Score: 81/100 — 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. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 23.7% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q1 2025:
↓ -4 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -7
  • Reserves
    ↓ -13

The five pillars

Liquidity

StrongQoQ -3
90
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 40.9%, cash 5.7% of assets.

Cash / Assets
5.68%
Loans / Deposits
40.94%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 15.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
15.94%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 21.64%, CET1 21.64%, leverage 10.71%.

Tier 1 RBC
21.64%
CET1
21.64%
Leverage
10.71%
No watch items at this period.

Asset Quality

StrongQoQ -7
86
Sub-score

Asset quality is strong: Adjusted NPL 1.27%, Texas Ratio 4.3%, NCO YTD 0.00%.

Adjusted NPL
1.27%
Govt-guarantees stripped
Texas Ratio
4.3%
NCO YTD
0.00%
30-89 PD
0.64%
Band 0.3% / 3.0%
90+ PD
0.68%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -13
11
Sub-score

Reserves are weak: ALLL 0.77% of loans, coverage 61.0%, true coverage 23.7%.

ALLL / Loans
0.77%
Coverage
61.0%
True Loss Coverage
23.7%

Watch Items

  • riskTrue Loss Coverage Ratio below 50% — True coverage 23.7% (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