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United Midwest Savings Bank National Association

IDRSSD: 809276
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
89
/ 100
StrongAs of 2025-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

2025-Q2

Bank #809276 2025-Q2 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.35% of loans.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.06% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -5
  • Reserves
    ↑ +1

The five pillars

Liquidity

StrongQoQ -2
93
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 83.9%, cash 22.3% of assets.

Cash / Assets
22.30%
Loans / Deposits
83.92%
Brokered %
0.00%
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 20.12%, CET1 20.12%, leverage 13.47%.

Tier 1 RBC
20.12%
CET1
20.12%
Leverage
13.47%
No watch items at this period.

Asset Quality

StableQoQ -5
70
Sub-score

Asset quality is stable: Adjusted NPL 2.06%, Texas Ratio 9.4%, NCO YTD 2.35%.

Adjusted NPL
2.06%
Govt-guarantees stripped
Texas Ratio
9.4%
NCO YTD
2.35%
30-89 PD
0.37%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.06% (govt-guarantees stripped).
  • watchNet charge-offs elevated — NCO YTD 2.35% of loans.

Reserves

StrongQoQ +1
83
Sub-score

Reserves are strong: ALLL 2.52% of loans, coverage 125.5%, true coverage 110.5%.

ALLL / Loans
2.52%
Coverage
125.5%
True Loss Coverage
110.5%
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 10:23:21 UTC