Visbanking Logo
Skip to main content

United Fidelity Bank Fsb

IDRSSD: 391575
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2023-Q4QoQ +4

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

Quarterly Headline

2023-Q4

Bank #391575 2023-Q4 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 48.6% of deposits (threshold 30%).

What changed this quarter

Compared to Q3 2023:
↑ +4 ptscomposite
  • Liquidity
    ↑ +7
  • Securities
    — —
  • Capitalization
    ↑ +8
  • Asset Quality
    — —
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +7
73
Sub-score

Liquidity is stable: brokered 48.6%, loans/deposits 72.5%.

Cash / Assets
—
Loans / Deposits
72.52%
Brokered %
48.64%

Watch Items

  • riskBrokered deposits above 30% — Brokered 48.6% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 9.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
9.90%
No watch items at this period.

Capitalization

StableQoQ +8
65
Sub-score

Capital position is stable: Tier 1 RBC 10.91%, leverage 8.42%.

Tier 1 RBC
10.91%
CET1
—
Leverage
8.42%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.12%, Texas Ratio 0.8%, NCO YTD 0.00%.

Adjusted NPL
0.12%
Govt-guarantees stripped
Texas Ratio
0.8%
NCO YTD
0.00%
30-89 PD
0.22%
Band 0.3% / 3.0%
90+ PD
0.04%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
84
Sub-score

Reserves are strong: ALLL 1.02% of loans, coverage 882.0%, true coverage 753.7%.

ALLL / Loans
1.02%
Coverage
882.0%
True Loss Coverage
753.7%
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 08:13:26 UTC