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Union Bank

IDRSSD: 333203
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2025-Q3QoQ +2

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

Quarterly Headline

2025-Q3

Bank #333203 2025-Q3 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 48.0% (Adjusted NPL + Performing Mods denominator).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.79% of assets (threshold 3%).
  3. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.71% of loans.

What changed this quarter

Compared to Q2 2025:
↑ +2 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↑ +2
  • Reserves
    ↑ +2

The five pillars

Liquidity

StableQoQ +2
66
Sub-score

Liquidity is stable: brokered 5.5%, loans/deposits 98.2%, cash 2.8% of assets.

Cash / Assets
2.79%
Loans / Deposits
98.24%
Brokered %
5.48%

Watch Items

  • infoCash / Assets below 3% — Cash 2.79% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.18%
No watch items at this period.

Capitalization

StableQoQ +4
68
Sub-score

Capital position is stable: Tier 1 RBC 11.98%, CET1 11.98%, leverage 7.48%.

Tier 1 RBC
11.98%
CET1
11.98%
Leverage
7.48%
No watch items at this period.

Asset Quality

StrongQoQ +2
94
Sub-score

Asset quality is strong: Adjusted NPL 1.15%, Texas Ratio 10.6%, NCO YTD 0.01%.

Adjusted NPL
1.15%
Govt-guarantees stripped
Texas Ratio
10.6%
NCO YTD
0.01%
30-89 PD
0.01%
Band 0.3% / 3.0%
90+ PD
0.04%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +2
18
Sub-score

Reserves are weak: ALLL 0.71% of loans, coverage 62.4%, true coverage 48.0%.

ALLL / Loans
0.71%
Coverage
62.4%
True Loss Coverage
48.0%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 48.0% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.71% 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 17:14:13 UTC