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 — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
89
/ 100
StrongAs of 2025-Q4QoQ 0

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

Quarterly Headline

2025-Q4

Bank #842853 2025-Q4 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2025:
↑ 0 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ +4

The five pillars

Liquidity

StrongQoQ +2
94
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 82.0%, cash 12.8% of assets.

Cash / Assets
12.77%
Loans / Deposits
82.04%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 9.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
9.10%
No watch items at this period.

Capitalization

StableQoQ -5
75
Sub-score

Capital position is stable: Tier 1 RBC 12.43%, CET1 12.43%, leverage 8.02%.

Tier 1 RBC
12.43%
CET1
12.43%
Leverage
8.02%
No watch items at this period.

Asset Quality

StrongQoQ +3
97
Sub-score

Asset quality is strong: Adjusted NPL 0.25%, Texas Ratio 2.2%, NCO YTD 0.13%.

Adjusted NPL
0.25%
Govt-guarantees stripped
Texas Ratio
2.2%
NCO YTD
0.13%
30-89 PD
0.73%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +4
78
Sub-score

Reserves are stable: ALLL 0.83% of loans, coverage 338.8%, true coverage 338.8%.

ALLL / Loans
0.83%
Coverage
338.8%
True Loss Coverage
338.8%
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