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Bank Of Gueydan

IDRSSD: 603232
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
48
/ 100
WatchAs of 2023-Q4QoQ -27

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

Quarterly Headline

2023-Q4

Bank #603232 2023-Q4 Vital Signs Score: 48/100 — overall watch. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.52% (govt-guarantees stripped).
  3. info
    Cash / Assets below 3%
    Liquidity — Cash 2.46% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2023:
↓ -27 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -50
  • Asset Quality
    ↓ -42
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -1
83
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 39.1%, cash 2.5% of assets.

Cash / Assets
2.46%
Loans / Deposits
39.05%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.46% of assets (threshold 3%).

Securities

Risk
0
Sub-score

Securities profile is weak: securities 64.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
63.96%
No watch items at this period.

Capitalization

WatchQoQ -50
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 20.92%.

Tier 1 RBC
—
CET1
0.00%
Leverage
20.92%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

WatchQoQ -42
47
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.52%, Texas Ratio 6.1%, NCO YTD 0.60%.

Adjusted NPL
4.52%
Govt-guarantees stripped
Texas Ratio
6.1%
NCO YTD
0.60%
30-89 PD
9.90%
Band 0.3% / 3.0%
90+ PD
0.23%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.52% (govt-guarantees stripped).

Reserves

Watch
51
Sub-score

Reserves are deteriorating: ALLL 2.71% of loans, coverage 61.5%, true coverage 61.5%.

ALLL / Loans
2.71%
Coverage
61.5%
True Loss Coverage
61.5%
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: 2026-05-14 14:58:53 UTC