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Unity Bank

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

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
67
/ 100
StableAs of 2025-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

2025-Q1

Bank #443353 2025-Q1 Vital Signs Score: 67/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 13.9% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 24.5% (regulatory soft-warning level 50%).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.03% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2024:
↓ -2 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↓ -7
  • Asset Quality
    ↓ -5
  • Reserves
    ↑ +2

The five pillars

Liquidity

StrongQoQ +3
88
Sub-score

Liquidity is strong: brokered 4.8%, loans/deposits 86.8%, cash 10.6% of assets.

Cash / Assets
10.63%
Loans / Deposits
86.77%
Brokered %
4.84%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 9.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
9.67%
No watch items at this period.

Capitalization

StableQoQ -7
79
Sub-score

Capital position is stable: Tier 1 RBC 12.35%, CET1 12.35%, leverage 9.06%.

Tier 1 RBC
12.35%
CET1
12.35%
Leverage
9.06%
No watch items at this period.

Asset Quality

WatchQoQ -5
44
Sub-score

Asset quality is deteriorating: Adjusted NPL 5.03%, Texas Ratio 37.4%, NCO YTD -0.07%.

Adjusted NPL
5.03%
Govt-guarantees stripped
Texas Ratio
37.4%
NCO YTD
-0.07%
30-89 PD
2.29%
Band 0.3% / 3.0%
90+ PD
0.68%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.03% (govt-guarantees stripped).

Reserves

RiskQoQ +2
24
Sub-score

Reserves are weak: ALLL 1.22% of loans, coverage 24.5%, true coverage 13.9%.

ALLL / Loans
1.22%
Coverage
24.5%
True Loss Coverage
13.9%

Watch Items

  • riskALLL / NPL below 50% — Coverage 24.5% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 13.9% (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