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Unity Bank

IDRSSD: 443353
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
68
/ 100
StableAs of 2023-Q4QoQ -19

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

Quarterly Headline

2023-Q4

Bank #443353 2023-Q4 Vital Signs Score: 68/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 33.6% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 34.0% (regulatory soft-warning level 50%).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.56% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2023:
↓ -19 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -42
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -5
70
Sub-score

Liquidity is stable: brokered 4.9%, loans/deposits 95.4%, cash 3.6% of assets.

Cash / Assets
3.62%
Loans / Deposits
95.40%
Brokered %
4.89%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 9.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
9.37%
No watch items at this period.

Capitalization

StableQoQ +1
79
Sub-score

Capital position is stable: Tier 1 RBC 11.55%, CET1 11.55%, leverage 9.50%.

Tier 1 RBC
11.55%
CET1
11.55%
Leverage
9.50%
No watch items at this period.

Asset Quality

WatchQoQ -42
55
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.56%, Texas Ratio 34.9%, NCO YTD 0.04%.

Adjusted NPL
4.56%
Govt-guarantees stripped
Texas Ratio
34.9%
NCO YTD
0.04%
30-89 PD
1.68%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.56% (govt-guarantees stripped).

Reserves

Risk
35
Sub-score

Reserves are weak: ALLL 1.53% of loans, coverage 34.0%, true coverage 33.6%.

ALLL / Loans
1.53%
Coverage
34.0%
True Loss Coverage
33.6%

Watch Items

  • watchALLL / NPL below 50% — Coverage 34.0% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 33.6% (Adjusted NPL + Performing Mods denominator).

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 17:08:27 UTC