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Unity National Bank Of Houston

IDRSSD: 853251
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2024-Q4QoQ -11

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

Quarterly Headline

2024-Q4

Bank #853251 2024-Q4 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. watch
    Brokered deposits above 30%
    Liquidity — Brokered 36.1% of deposits (threshold 30%).
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.90% (govt-guarantees stripped).
  3. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.67%.

What changed this quarter

Compared to Q3 2024:
↓ -11 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -38
  • Reserves
    ↓ -11

The five pillars

Liquidity

StableQoQ +2
75
Sub-score

Liquidity is stable: brokered 36.1%, loans/deposits 67.9%, cash 7.7% of assets.

Cash / Assets
7.65%
Loans / Deposits
67.91%
Brokered %
36.10%

Watch Items

  • watchBrokered deposits above 30% — Brokered 36.1% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 27.43%, CET1 17.68%, leverage 17.71%.

Tier 1 RBC
27.43%
CET1
17.68%
Leverage
17.71%
No watch items at this period.

Asset Quality

WatchQoQ -38
41
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.90%, Texas Ratio 12.5%, NCO YTD 0.03%.

Adjusted NPL
3.90%
Govt-guarantees stripped
Texas Ratio
12.5%
NCO YTD
0.03%
30-89 PD
3.89%
Band 0.3% / 3.0%
90+ PD
1.67%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.90% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.67%.

Reserves

WatchQoQ -11
41
Sub-score

Reserves are deteriorating: ALLL 1.75% of loans, coverage 45.6%, true coverage 45.6%.

ALLL / Loans
1.75%
Coverage
45.6%
True Loss Coverage
45.6%

Watch Items

  • infoALLL / NPL below 50% — Coverage 45.6% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 45.6% (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: 2026-05-13 03:59:36 UTC