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United Republic Bank

IDRSSD: 3387140
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
59
/ 100
WatchAs of 2025-Q4QoQ +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-Q4

Bank #3387140 2025-Q4 Vital Signs Score: 59/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.66% of loans.
  3. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.44% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↑ +4 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +4
  • Reserves
    ↑ +27

The five pillars

Liquidity

WatchQoQ -7
49
Sub-score

Liquidity is deteriorating: brokered 29.6%, loans/deposits 93.6%, cash 1.4% of assets.

Cash / Assets
1.44%
Loans / Deposits
93.64%
Brokered %
29.58%

Watch Items

  • watchCash / Assets below 3% — Cash 1.44% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.48%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 10.55%.

Tier 1 RBC
—
CET1
0.00%
Leverage
10.55%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

WatchQoQ +4
50
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.52%, Texas Ratio 15.3%, NCO YTD 2.66%.

Adjusted NPL
2.52%
Govt-guarantees stripped
Texas Ratio
15.3%
NCO YTD
2.66%
30-89 PD
2.79%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.52% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 2.66% of loans.

Reserves

StableQoQ +27
63
Sub-score

Reserves are stable: ALLL 1.94% of loans, coverage 78.5%, true coverage 78.5%.

ALLL / Loans
1.94%
Coverage
78.5%
True Loss Coverage
78.5%
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: 2026-05-14 08:49:08 UTC