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Unity Bank

IDRSSD: 443353
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
66
/ 100
StableAs of 2024-Q1QoQ -2

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 #443353 2024-Q1 Vital Signs Score: 66/100 — 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 34.3% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 34.7% (regulatory soft-warning level 50%).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.32% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2023:
↓ -2 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ 0

The five pillars

Liquidity

StableQoQ -3
67
Sub-score

Liquidity is stable: brokered 6.2%, loans/deposits 98.1%, cash 3.4% of assets.

Cash / Assets
3.41%
Loans / Deposits
98.11%
Brokered %
6.16%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.95%
No watch items at this period.

Capitalization

StableQoQ -3
76
Sub-score

Capital position is stable: Tier 1 RBC 11.32%, CET1 11.32%, leverage 9.43%.

Tier 1 RBC
11.32%
CET1
11.32%
Leverage
9.43%
No watch items at this period.

Asset Quality

WatchQoQ -2
53
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.32%, Texas Ratio 34.0%, NCO YTD 0.18%.

Adjusted NPL
4.32%
Govt-guarantees stripped
Texas Ratio
34.0%
NCO YTD
0.18%
30-89 PD
2.14%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.32% (govt-guarantees stripped).

Reserves

RiskQoQ 0
35
Sub-score

Reserves are weak: ALLL 1.48% of loans, coverage 34.7%, true coverage 34.3%.

ALLL / Loans
1.48%
Coverage
34.7%
True Loss Coverage
34.3%

Watch Items

  • watchALLL / NPL below 50% — Coverage 34.7% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 34.3% (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