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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-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
88
/ 100
StrongAs of 2024-Q3QoQ +1

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 #930358 2024-Q3 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 49.5% of deposits (threshold 30%).
  2. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 107.8% (threshold 100%).

What changed this quarter

Compared to Q2 2024:
↑ +1 ptscomposite
  • Liquidity
    ↑ +9
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -1
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ +9
61
Sub-score

Liquidity is stable: brokered 49.5%, loans/deposits 107.8%, cash 17.7% of assets.

Cash / Assets
17.74%
Loans / Deposits
107.83%
Brokered %
49.46%

Watch Items

  • riskBrokered deposits above 30% — Brokered 49.5% of deposits (threshold 30%).
  • watchLoans / Deposits above 100% — Loans/Deposits 107.8% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.84%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.43%, CET1 16.43%, leverage 12.07%.

Tier 1 RBC
16.43%
CET1
16.43%
Leverage
12.07%
No watch items at this period.

Asset Quality

StrongQoQ -1
92
Sub-score

Asset quality is strong: Adjusted NPL 1.25%, Texas Ratio 5.8%, NCO YTD 0.28%.

Adjusted NPL
1.25%
Govt-guarantees stripped
Texas Ratio
5.8%
NCO YTD
0.28%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +1
87
Sub-score

Reserves are strong: ALLL 1.71% of loans, coverage 139.8%, true coverage 116.3%.

ALLL / Loans
1.71%
Coverage
139.8%
True Loss Coverage
116.3%
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