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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
91
/ 100
StrongAs of 2024-Q4QoQ +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-Q4

Bank #930358 2024-Q4 Vital Signs Score: 91/100 — 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 48.7% of deposits (threshold 30%).
  2. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 105.1% (threshold 100%).

What changed this quarter

Compared to Q3 2024:
↑ +3 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ +13

The five pillars

Liquidity

StableQoQ +1
62
Sub-score

Liquidity is stable: brokered 48.7%, loans/deposits 105.1%, cash 27.3% of assets.

Cash / Assets
27.28%
Loans / Deposits
105.10%
Brokered %
48.69%

Watch Items

  • riskBrokered deposits above 30% — Brokered 48.7% of deposits (threshold 30%).
  • watchLoans / Deposits above 100% — Loans/Deposits 105.1% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.15%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.44%, CET1 16.44%, leverage 13.00%.

Tier 1 RBC
16.44%
CET1
16.44%
Leverage
13.00%
No watch items at this period.

Asset Quality

StrongQoQ +3
95
Sub-score

Asset quality is strong: Adjusted NPL 0.28%, Texas Ratio 1.3%, NCO YTD 0.72%.

Adjusted NPL
0.28%
Govt-guarantees stripped
Texas Ratio
1.3%
NCO YTD
0.72%
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 +13
100
Sub-score

Reserves are strong: ALLL 1.60% of loans, coverage 591.7%, true coverage 311.2%.

ALLL / Loans
1.60%
Coverage
591.7%
True Loss Coverage
311.2%
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