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Unity Bank

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

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
65
/ 100
StableAs of 2025-Q4QoQ -3

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

Quarterly Headline

2025-Q4

Bank #443353 2025-Q4 Vital Signs Score: 65/100 — 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
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 7.59% (govt-guarantees stripped).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 28.8% (Adjusted NPL + Performing Mods denominator).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 42.7% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q3 2025:
↓ -3 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    ↓ -13
  • Asset Quality
    ↓ -4
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +6
90
Sub-score

Liquidity is strong: brokered 3.8%, loans/deposits 84.9%, cash 10.3% of assets.

Cash / Assets
10.34%
Loans / Deposits
84.85%
Brokered %
3.84%
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
10.34%
No watch items at this period.

Capitalization

StableQoQ -13
66
Sub-score

Capital position is stable: Tier 1 RBC 11.39%, CET1 11.39%, leverage 8.29%.

Tier 1 RBC
11.39%
CET1
11.39%
Leverage
8.29%
No watch items at this period.

Asset Quality

WatchQoQ -4
42
Sub-score

Asset quality is deteriorating: Adjusted NPL 7.59%, Texas Ratio 52.5%, NCO YTD 0.14%.

Adjusted NPL
7.59%
Govt-guarantees stripped
Texas Ratio
52.5%
NCO YTD
0.14%
30-89 PD
3.04%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 7.59% (govt-guarantees stripped).
  • infoTexas Ratio above 50% — Texas Ratio 52.5% (industry watch band 50% / risk band 100%).

Reserves

Risk
33
Sub-score

Reserves are weak: ALLL 3.14% of loans, coverage 42.7%, true coverage 28.8%.

ALLL / Loans
3.14%
Coverage
42.7%
True Loss Coverage
28.8%

Watch Items

  • infoALLL / NPL below 50% — Coverage 42.7% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 28.8% (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