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Union State Bank

IDRSSD: 206950
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2026-Q1QoQ -9

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

Quarterly Headline

2026-Q1

Bank #206950 2026-Q1 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.44%.

What changed this quarter

Compared to Q4 2025:
↓ -9 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -16
  • Reserves
    ↓ -43

The five pillars

Liquidity

StrongQoQ +4
82
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 80.0%, cash 4.3% of assets.

Cash / Assets
4.30%
Loans / Deposits
79.95%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.67%
No watch items at this period.

Capitalization

StrongQoQ +2
96
Sub-score

Capital position is strong: Tier 1 RBC 14.15%, CET1 14.15%, leverage 9.73%.

Tier 1 RBC
14.15%
CET1
14.15%
Leverage
9.73%
No watch items at this period.

Asset Quality

StableQoQ -16
78
Sub-score

Asset quality is stable: Adjusted NPL 1.67%, Texas Ratio 11.2%, NCO YTD 0.01%.

Adjusted NPL
1.67%
Govt-guarantees stripped
Texas Ratio
11.2%
NCO YTD
0.01%
30-89 PD
0.33%
Band 0.3% / 3.0%
90+ PD
1.44%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.44%.

Reserves

WatchQoQ -43
44
Sub-score

Reserves are deteriorating: ALLL 1.14% of loans, coverage 69.0%, true coverage 69.0%.

ALLL / Loans
1.14%
Coverage
69.0%
True Loss Coverage
69.0%
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.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: 2026-05-12 16:26:42 UTC