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Unity Bank

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

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
68
/ 100
StableAs of 2025-Q3QoQ +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-Q3

Bank #443353 2025-Q3 Vital Signs Score: 68/100 — 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 17.7% (Adjusted NPL + Performing Mods denominator).
  2. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 7.60% (govt-guarantees stripped).
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 25.0% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q2 2025:
↑ +2 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +6
  • Asset Quality
    ↑ +5
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -2
84
Sub-score

Liquidity is strong: brokered 4.7%, loans/deposits 87.9%, cash 8.4% of assets.

Cash / Assets
8.45%
Loans / Deposits
87.92%
Brokered %
4.67%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 10.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
10.29%
No watch items at this period.

Capitalization

StableQoQ +6
78
Sub-score

Capital position is stable: Tier 1 RBC 12.23%, CET1 12.23%, leverage 9.16%.

Tier 1 RBC
12.23%
CET1
12.23%
Leverage
9.16%
No watch items at this period.

Asset Quality

WatchQoQ +5
45
Sub-score

Asset quality is deteriorating: Adjusted NPL 7.60%, Texas Ratio 53.9%, NCO YTD 1.06%.

Adjusted NPL
7.60%
Govt-guarantees stripped
Texas Ratio
53.9%
NCO YTD
1.06%
30-89 PD
1.07%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 7.60% (govt-guarantees stripped).
  • infoTexas Ratio above 50% — Texas Ratio 53.9% (industry watch band 50% / risk band 100%).
  • infoNet charge-offs elevated — NCO YTD 1.06% of loans.

Reserves

Risk
33
Sub-score

Reserves are weak: ALLL 1.87% of loans, coverage 25.0%, true coverage 17.7%.

ALLL / Loans
1.87%
Coverage
25.0%
True Loss Coverage
17.7%

Watch Items

  • watchALLL / NPL below 50% — Coverage 25.0% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 17.7% (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