Visbanking Logo
Skip to main content

United Minnesota Bank

IDRSSD: 842853
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
90
/ 100
StrongAs of 2024-Q4QoQ +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-Q4

Bank #842853 2024-Q4 Vital Signs Score: 90/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (strong).

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

Top 3 Watch Items

  1. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.20% of loans.

What changed this quarter

Compared to Q3 2024:
↑ +1 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↓ -11
  • Asset Quality
    ↓ -6
  • Reserves
    ↑ +37

The five pillars

Liquidity

StrongQoQ 0
98
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 73.9%, cash 17.2% of assets.

Cash / Assets
17.16%
Loans / Deposits
73.89%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 13.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
13.33%
No watch items at this period.

Capitalization

StrongQoQ -11
80
Sub-score

Capital position is strong: Tier 1 RBC 13.09%, CET1 13.09%, leverage 7.51%.

Tier 1 RBC
13.09%
CET1
13.09%
Leverage
7.51%
No watch items at this period.

Asset Quality

StrongQoQ -6
90
Sub-score

Asset quality is strong: Adjusted NPL 0.39%, Texas Ratio 3.3%, NCO YTD 1.20%.

Adjusted NPL
0.39%
Govt-guarantees stripped
Texas Ratio
3.3%
NCO YTD
1.20%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.07%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.20% of loans.

Reserves

StrongQoQ +37
82
Sub-score

Reserves are strong: ALLL 0.97% of loans, coverage 250.8%, true coverage 250.8%.

ALLL / Loans
0.97%
Coverage
250.8%
True Loss Coverage
250.8%
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: 2026-05-12 01:23:23 UTC