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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-Q4

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

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2025-Q4QoQ -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-Q4

Bank #644776 2025-Q4 Vital Signs Score: 75/100 — 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 102.8% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.28% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ -6
  • Asset Quality
    — —
  • Reserves
    ↑ +2

The five pillars

Liquidity

WatchQoQ -3
51
Sub-score

Liquidity is deteriorating: brokered 23.7%, loans/deposits 102.8%, cash 2.3% of assets.

Cash / Assets
2.28%
Loans / Deposits
102.77%
Brokered %
23.71%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 102.8% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.28% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.50%
No watch items at this period.

Capitalization

WatchQoQ -6
53
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.64%, CET1 10.64%, leverage 7.38%.

Tier 1 RBC
10.64%
CET1
10.64%
Leverage
7.38%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.04%, Texas Ratio 0.4%, NCO YTD 0.04%.

Adjusted NPL
0.04%
Govt-guarantees stripped
Texas Ratio
0.4%
NCO YTD
0.04%
30-89 PD
0.15%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +2
75
Sub-score

Reserves are stable: ALLL 0.75% of loans, coverage 1881.8%, true coverage 1396.9%.

ALLL / Loans
0.75%
Coverage
1881.8%
True Loss Coverage
1396.9%
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 17:25:35 UTC