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United Bank And Trust Co

IDRSSD: 3103591
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2023-Q4QoQ -14

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

Quarterly Headline

2023-Q4

Bank #3103591 2023-Q4 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    ALLL / NPL below 50%
    Reserves — Coverage 47.2% (regulatory soft-warning level 50%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 47.2% (Adjusted NPL + Performing Mods denominator).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.97% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2023:
↓ -14 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -22
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -2
86
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 65.0%, cash 3.7% of assets.

Cash / Assets
3.65%
Loans / Deposits
65.04%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 11.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
11.25%
No watch items at this period.

Capitalization

StrongQoQ +2
97
Sub-score

Capital position is strong: Tier 1 RBC 14.82%, CET1 14.82%, leverage 9.51%.

Tier 1 RBC
14.82%
CET1
14.82%
Leverage
9.51%
No watch items at this period.

Asset Quality

StableQoQ -22
78
Sub-score

Asset quality is stable: Adjusted NPL 2.97%, Texas Ratio 15.8%, NCO YTD -0.01%.

Adjusted NPL
2.97%
Govt-guarantees stripped
Texas Ratio
15.8%
NCO YTD
-0.01%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.97% (govt-guarantees stripped).

Reserves

Risk
38
Sub-score

Reserves are weak: ALLL 1.38% of loans, coverage 47.2%, true coverage 47.2%.

ALLL / Loans
1.38%
Coverage
47.2%
True Loss Coverage
47.2%

Watch Items

  • infoALLL / NPL below 50% — Coverage 47.2% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 47.2% (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 03:38:33 UTC