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United Business Bank

IDRSSD: 3281510
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
94
/ 100
StrongAs of 2025-Q1QoQ -1

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

Quarterly Headline

2025-Q1

Bank #3281510 2025-Q1 Vital Signs Score: 94/100 — 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

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q4 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -1
  • Reserves
    ↑ 0

The five pillars

Liquidity

StrongQoQ -2
89
Sub-score

Liquidity is strong: brokered 0.8%, loans/deposits 91.3%, cash 10.1% of assets.

Cash / Assets
10.06%
Loans / Deposits
91.26%
Brokered %
0.79%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 17.23%, CET1 17.23%, leverage 13.69%.

Tier 1 RBC
17.23%
CET1
17.23%
Leverage
13.69%
No watch items at this period.

Asset Quality

StrongQoQ -1
99
Sub-score

Asset quality is strong: Adjusted NPL 0.51%, Texas Ratio 2.7%, NCO YTD 0.02%.

Adjusted NPL
0.51%
Govt-guarantees stripped
Texas Ratio
2.7%
NCO YTD
0.02%
30-89 PD
0.45%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ 0
78
Sub-score

Reserves are stable: ALLL 0.94% of loans, coverage 186.1%, true coverage 186.1%.

ALLL / Loans
0.94%
Coverage
186.1%
True Loss Coverage
186.1%
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: 2026-05-13 01:53:46 UTC