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Unity Bank

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

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
67
/ 100
StableAs of 2024-Q2QoQ +1

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

Quarterly Headline

2024-Q2

Bank #443353 2024-Q2 Vital Signs Score: 67/100 — 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. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 24.4% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 34.8% (regulatory soft-warning level 50%).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.40% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2024:
↑ +1 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↑ +5
  • Reserves
    ↓ -1

The five pillars

Liquidity

StableQoQ +2
69
Sub-score

Liquidity is stable: brokered 8.3%, loans/deposits 96.3%, cash 4.5% of assets.

Cash / Assets
4.54%
Loans / Deposits
96.29%
Brokered %
8.29%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 9.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.96%
No watch items at this period.

Capitalization

StableQoQ -2
74
Sub-score

Capital position is stable: Tier 1 RBC 11.72%, CET1 11.72%, leverage 9.53%.

Tier 1 RBC
11.72%
CET1
11.72%
Leverage
9.53%
No watch items at this period.

Asset Quality

WatchQoQ +5
58
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.40%, Texas Ratio 33.1%, NCO YTD 0.01%.

Adjusted NPL
4.40%
Govt-guarantees stripped
Texas Ratio
33.1%
NCO YTD
0.01%
30-89 PD
1.42%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.40% (govt-guarantees stripped).

Reserves

RiskQoQ -1
33
Sub-score

Reserves are weak: ALLL 1.51% of loans, coverage 34.8%, true coverage 24.4%.

ALLL / Loans
1.51%
Coverage
34.8%
True Loss Coverage
24.4%

Watch Items

  • watchALLL / NPL below 50% — Coverage 34.8% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 24.4% (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