Visbanking Logo
Skip to main content

Unity National Bank Of Houston

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

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
89
/ 100
StrongAs of 2026-Q1QoQ +1

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

Quarterly Headline

2026-Q1

Bank #853251 2026-Q1 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Brokered deposits above 30%
    Liquidity — Brokered 41.1% of deposits (threshold 30%).

What changed this quarter

Compared to Q4 2025:
↑ +1 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +2
  • Reserves
    ↑ +7

The five pillars

Liquidity

StableQoQ -1
69
Sub-score

Liquidity is stable: brokered 41.1%, loans/deposits 68.8%, cash 5.2% of assets.

Cash / Assets
5.22%
Loans / Deposits
68.78%
Brokered %
41.12%

Watch Items

  • watchBrokered deposits above 30% — Brokered 41.1% 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 31.03%, CET1 19.48%, leverage 13.66%.

Tier 1 RBC
31.03%
CET1
19.48%
Leverage
13.66%
No watch items at this period.

Asset Quality

StrongQoQ +2
91
Sub-score

Asset quality is strong: Adjusted NPL 1.20%, Texas Ratio 5.0%, NCO YTD -0.14%.

Adjusted NPL
1.20%
Govt-guarantees stripped
Texas Ratio
5.0%
NCO YTD
-0.14%
30-89 PD
0.14%
Band 0.3% / 3.0%
90+ PD
0.46%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +7
80
Sub-score

Reserves are strong: ALLL 1.43% of loans, coverage 121.3%, true coverage 121.3%.

ALLL / Loans
1.43%
Coverage
121.3%
True Loss Coverage
121.3%
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