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United Fidelity Bank Fsb

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

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2024-Q2QoQ -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-Q2

Bank #391575 2024-Q2 Vital Signs Score: 85/100 — 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. watch
    Brokered deposits above 30%
    Liquidity — Brokered 44.6% of deposits (threshold 30%).

What changed this quarter

Compared to Q1 2024:
↓ -1 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -6
  • Asset Quality
    — —
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ +1
74
Sub-score

Liquidity is stable: brokered 44.6%, loans/deposits 71.6%.

Cash / Assets
—
Loans / Deposits
71.64%
Brokered %
44.60%

Watch Items

  • watchBrokered deposits above 30% — Brokered 44.6% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 10.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
10.12%
No watch items at this period.

Capitalization

StableQoQ -6
69
Sub-score

Capital position is stable: Tier 1 RBC 11.82%, CET1 9.93%, leverage 9.10%.

Tier 1 RBC
11.82%
CET1
9.93%
Leverage
9.10%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.09%, Texas Ratio 0.5%, NCO YTD 0.00%.

Adjusted NPL
0.09%
Govt-guarantees stripped
Texas Ratio
0.5%
NCO YTD
0.00%
30-89 PD
0.18%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +1
86
Sub-score

Reserves are strong: ALLL 1.09% of loans, coverage 1191.0%, true coverage 1001.4%.

ALLL / Loans
1.09%
Coverage
1191.0%
True Loss Coverage
1001.4%
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: 2026-05-13 08:13:26 UTC