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United Minnesota Bank

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

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
88
/ 100
StrongAs of 2025-Q3QoQ -4

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

Quarterly Headline

2025-Q3

Bank #842853 2025-Q3 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.71% of loans.

What changed this quarter

Compared to Q2 2025:
↓ -4 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↓ -6
  • Reserves
    ↓ -7

The five pillars

Liquidity

StrongQoQ -5
92
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 83.7%, cash 9.5% of assets.

Cash / Assets
9.51%
Loans / Deposits
83.69%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 11.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
11.06%
No watch items at this period.

Capitalization

StrongQoQ -4
80
Sub-score

Capital position is strong: Tier 1 RBC 12.91%, CET1 12.91%, leverage 8.19%.

Tier 1 RBC
12.91%
CET1
12.91%
Leverage
8.19%
No watch items at this period.

Asset Quality

StrongQoQ -6
94
Sub-score

Asset quality is strong: Adjusted NPL 0.27%, Texas Ratio 2.4%, NCO YTD 0.62%.

Adjusted NPL
0.27%
Govt-guarantees stripped
Texas Ratio
2.4%
NCO YTD
0.62%
30-89 PD
0.01%
Band 0.3% / 3.0%
90+ PD
0.21%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -7
74
Sub-score

Reserves are stable: ALLL 0.71% of loans, coverage 262.5%, true coverage 262.5%.

ALLL / Loans
0.71%
Coverage
262.5%
True Loss Coverage
262.5%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.71% of loans.

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