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United Bankers Bank

IDRSSD: 930358
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
87
/ 100
StrongAs of 2024-Q2QoQ -5

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 #930358 2024-Q2 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 49.6% of deposits (threshold 30%).
  2. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 117.2% (threshold 100%).

What changed this quarter

Compared to Q1 2024:
↓ -5 ptscomposite
  • Liquidity
    ↓ -9
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -4
  • Reserves
    ↓ -14

The five pillars

Liquidity

WatchQoQ -9
53
Sub-score

Liquidity is deteriorating: brokered 49.6%, loans/deposits 117.2%, cash 6.6% of assets.

Cash / Assets
6.65%
Loans / Deposits
117.16%
Brokered %
49.63%

Watch Items

  • riskBrokered deposits above 30% — Brokered 49.6% of deposits (threshold 30%).
  • riskLoans / Deposits above 100% — Loans/Deposits 117.2% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.17%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 15.19%, CET1 15.19%, leverage 12.18%.

Tier 1 RBC
15.19%
CET1
15.19%
Leverage
12.18%
No watch items at this period.

Asset Quality

StrongQoQ -4
93
Sub-score

Asset quality is strong: Adjusted NPL 1.27%, Texas Ratio 6.2%, NCO YTD 0.01%.

Adjusted NPL
1.27%
Govt-guarantees stripped
Texas Ratio
6.2%
NCO YTD
0.01%
30-89 PD
0.01%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -14
86
Sub-score

Reserves are strong: ALLL 1.71% of loans, coverage 137.1%, true coverage 114.9%.

ALLL / Loans
1.71%
Coverage
137.1%
True Loss Coverage
114.9%
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 23:45:56 UTC