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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 — 2025-Q1

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

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2025-Q1QoQ +6

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 #853251 2025-Q1 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Brokered deposits above 30%
    Liquidity — Brokered 38.2% of deposits (threshold 30%).
  2. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.56% of loans.
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.36% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2024:
↑ +6 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +18
  • Reserves
    ↑ +15

The five pillars

Liquidity

StableQoQ -4
71
Sub-score

Liquidity is stable: brokered 38.2%, loans/deposits 68.1%, cash 5.8% of assets.

Cash / Assets
5.78%
Loans / Deposits
68.07%
Brokered %
38.19%

Watch Items

  • watchBrokered deposits above 30% — Brokered 38.2% 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 28.40%, CET1 17.53%, leverage 15.27%.

Tier 1 RBC
28.40%
CET1
17.53%
Leverage
15.27%
No watch items at this period.

Asset Quality

WatchQoQ +18
58
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.36%, Texas Ratio 8.2%, NCO YTD 1.56%.

Adjusted NPL
2.36%
Govt-guarantees stripped
Texas Ratio
8.2%
NCO YTD
1.56%
30-89 PD
0.88%
Band 0.3% / 3.0%
90+ PD
1.19%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.36% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.19%.
  • watchNet charge-offs elevated — NCO YTD 1.56% of loans.

Reserves

WatchQoQ +15
55
Sub-score

Reserves are deteriorating: ALLL 1.58% of loans, coverage 67.9%, true coverage 67.9%.

ALLL / Loans
1.58%
Coverage
67.9%
True Loss Coverage
67.9%
No watch items at this period.

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