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United National Bank

IDRSSD: 2914727
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2024-Q1QoQ -9

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

Quarterly Headline

2024-Q1

Bank #2914727 2024-Q1 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.74% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2023:
↓ -9 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -14
  • Reserves
    ↓ -31

The five pillars

Liquidity

StrongQoQ -2
86
Sub-score

Liquidity is strong: brokered 4.8%, loans/deposits 91.9%, cash 11.4% of assets.

Cash / Assets
11.42%
Loans / Deposits
91.88%
Brokered %
4.78%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.91%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 22.69%, CET1 22.69%, leverage 15.58%.

Tier 1 RBC
22.69%
CET1
22.69%
Leverage
15.58%
No watch items at this period.

Asset Quality

StableQoQ -14
75
Sub-score

Asset quality is stable: Adjusted NPL 2.74%, Texas Ratio 11.9%, NCO YTD -0.05%.

Adjusted NPL
2.74%
Govt-guarantees stripped
Texas Ratio
11.9%
NCO YTD
-0.05%
30-89 PD
1.19%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.74% (govt-guarantees stripped).

Reserves

StableQoQ -31
62
Sub-score

Reserves are stable: ALLL 2.07% of loans, coverage 77.3%, true coverage 77.3%.

ALLL / Loans
2.07%
Coverage
77.3%
True Loss Coverage
77.3%
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 13:58:31 UTC