Liquidity
StableQoQ -2
71
Sub-score
Liquidity is stable: brokered 21.4%, loans/deposits 59.4%, cash 3.2% of assets.
- Cash / Assets
- 3.20%
- Loans / Deposits
- 59.40%
- Brokered %
- 21.42%
No watch items at this period.
Union State Bank Of Hazen
IDRSSD: 855956
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2024-Q3
Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
76
/ 100
StableAs of 2024-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
2024-Q3
Bank #855956 2024-Q3 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (risk).
Liquidity:Stable
Securities:Strong
Capitalization:Risk
Asset Quality:Strong
Reserves:Strong
Top 3 Watch Items
- riskCET1 below 7%Capitalization — CET1 0.00% (threshold 7%).
What changed this quarter
Compared to Q2 2024:
↓ -2 ptscomposite
- Liquidity↓ -2
- Securities— —
- Capitalization↓ -7
- Asset Quality↓ -2
- Reserves↑ +2
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 0.0% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 0.00%
SVB watch metric
No watch items at this period.
Capitalization
RiskQoQ -7
39
Sub-score
Capital position is weak: CET1 0.00%, leverage 8.69%.
- Tier 1 RBC
- —
- CET1
- 0.00%
- Leverage
- 8.69%
Watch Items
- riskCET1 below 7% — CET1 0.00% (threshold 7%).
Asset Quality
StrongQoQ -2
92
Sub-score
Asset quality is strong: Adjusted NPL 1.05%, Texas Ratio 6.0%, NCO YTD -0.02%.
- Adjusted NPL
- 1.05%
- Texas Ratio
- 6.0%
- NCO YTD
- -0.02%
- 30-89 PD
- 0.72%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StrongQoQ +2
93
Sub-score
Reserves are strong: ALLL 1.75% of loans, coverage 170.0%, true coverage 170.0%.
- ALLL / Loans
- 1.75%
- Coverage
- 170.0%
- True Loss Coverage
- 170.0%
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.tsfor 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 14:46:52 UTC