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United Roosevelt Savings Bank

IDRSSD: 644776
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
76
/ 100
StableAs of 2025-Q3QoQ -2

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 #644776 2025-Q3 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 103.0% (threshold 100%).
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.69% of loans.

What changed this quarter

Compared to Q2 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -9
  • Asset Quality
    — —
  • Reserves
    ↑ +2

The five pillars

Liquidity

WatchQoQ -2
54
Sub-score

Liquidity is deteriorating: brokered 21.5%, loans/deposits 103.0%, cash 3.1% of assets.

Cash / Assets
3.07%
Loans / Deposits
102.96%
Brokered %
21.55%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 103.0% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.01%
No watch items at this period.

Capitalization

WatchQoQ -9
59
Sub-score

Capital position is deteriorating: Tier 1 RBC 11.09%, CET1 11.09%, leverage 7.71%.

Tier 1 RBC
11.09%
CET1
11.09%
Leverage
7.71%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.05%, Texas Ratio 0.5%, NCO YTD 0.00%.

Adjusted NPL
0.05%
Govt-guarantees stripped
Texas Ratio
0.5%
NCO YTD
0.00%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +2
73
Sub-score

Reserves are stable: ALLL 0.69% of loans, coverage 1354.9%, true coverage 192.2%.

ALLL / Loans
0.69%
Coverage
1354.9%
True Loss Coverage
192.2%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.69% 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: 2026-05-13 17:25:35 UTC