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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 — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
88
/ 100
StrongAs of 2024-Q2QoQ +3

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

Quarterly Headline

2024-Q2

Bank #3103591 2024-Q2 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.27% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2024:
↑ +3 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +6
  • Reserves
    ↑ +16

The five pillars

Liquidity

StrongQoQ -1
83
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 68.1%, cash 2.3% of assets.

Cash / Assets
2.27%
Loans / Deposits
68.12%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.27% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 9.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
9.57%
No watch items at this period.

Capitalization

StrongQoQ -1
98
Sub-score

Capital position is strong: Tier 1 RBC 14.40%, CET1 14.40%, leverage 9.79%.

Tier 1 RBC
14.40%
CET1
14.40%
Leverage
9.79%
No watch items at this period.

Asset Quality

StrongQoQ +6
90
Sub-score

Asset quality is strong: Adjusted NPL 1.66%, Texas Ratio 9.4%, NCO YTD -0.01%.

Adjusted NPL
1.66%
Govt-guarantees stripped
Texas Ratio
9.4%
NCO YTD
-0.01%
30-89 PD
0.02%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +16
65
Sub-score

Reserves are stable: ALLL 1.41% of loans, coverage 85.8%, true coverage 85.8%.

ALLL / Loans
1.41%
Coverage
85.8%
True Loss Coverage
85.8%
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 03:38:33 UTC