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United Community Bank

IDRSSD: 884648
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2025-Q4QoQ +13

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

Quarterly Headline

2025-Q4

Bank #884648 2025-Q4 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

Liquidity:Strong
Securities:Strong
Capitalization:Stable
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 Q3 2025:
↑ +13 ptscomposite
  • Liquidity
    ↑ +20
  • Securities
    — —
  • Capitalization
    ↑ +10
  • Asset Quality
    ↑ +15
  • Reserves
    ↑ +20

The five pillars

Liquidity

StrongQoQ +20
95
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 80.4%, cash 11.4% of assets.

Cash / Assets
11.42%
Loans / Deposits
80.45%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 10.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
10.61%
No watch items at this period.

Capitalization

StableQoQ +10
68
Sub-score

Capital position is stable: Tier 1 RBC 11.72%, CET1 11.72%, leverage 7.98%.

Tier 1 RBC
11.72%
CET1
11.72%
Leverage
7.98%
No watch items at this period.

Asset Quality

StrongQoQ +15
91
Sub-score

Asset quality is strong: Adjusted NPL 1.55%, Texas Ratio 11.4%, NCO YTD 0.00%.

Adjusted NPL
1.55%
Govt-guarantees stripped
Texas Ratio
11.4%
NCO YTD
0.00%
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

StableQoQ +20
79
Sub-score

Reserves are stable: ALLL 1.61% of loans, coverage 105.4%, true coverage 105.4%.

ALLL / Loans
1.61%
Coverage
105.4%
True Loss Coverage
105.4%
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 15:07:33 UTC