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Union Bank

IDRSSD: 390840
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2025-Q4QoQ +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-Q4

Bank #390840 2025-Q4 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.88% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↑ +6 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ +7
  • Reserves
    ↑ +22

The five pillars

Liquidity

StableQoQ +1
72
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 94.7%, cash 2.9% of assets.

Cash / Assets
2.88%
Loans / Deposits
94.74%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.88% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.51%
No watch items at this period.

Capitalization

WatchQoQ +2
47
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.56%, CET1 9.56%, leverage 8.57%.

Tier 1 RBC
9.56%
CET1
9.56%
Leverage
8.57%
No watch items at this period.

Asset Quality

StrongQoQ +7
93
Sub-score

Asset quality is strong: Adjusted NPL 1.14%, Texas Ratio 9.6%, NCO YTD -0.66%.

Adjusted NPL
1.14%
Govt-guarantees stripped
Texas Ratio
9.6%
NCO YTD
-0.66%
30-89 PD
0.56%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +22
67
Sub-score

Reserves are stable: ALLL 1.16% of loans, coverage 102.6%, true coverage 102.6%.

ALLL / Loans
1.16%
Coverage
102.6%
True Loss Coverage
102.6%
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: 2026-05-14 19:44:56 UTC