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Bank Of Gueydan

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

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
52
/ 100
WatchAs of 2024-Q1QoQ +3

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

Quarterly Headline

2024-Q1

Bank #603232 2024-Q1 Vital Signs Score: 52/100 — 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 4.18% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2023:
↑ +3 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +5
  • Reserves
    ↑ +7

The five pillars

Liquidity

StrongQoQ +3
87
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 39.4%, cash 4.0% of assets.

Cash / Assets
4.02%
Loans / Deposits
39.35%
Brokered %
0.00%
No watch items at this period.

Securities

Risk
0
Sub-score

Securities profile is weak: securities 60.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
60.90%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 21.42%.

Tier 1 RBC
—
CET1
0.00%
Leverage
21.42%

Watch Items

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

Asset Quality

WatchQoQ +5
52
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.18%, Texas Ratio 5.7%, NCO YTD 0.75%.

Adjusted NPL
4.18%
Govt-guarantees stripped
Texas Ratio
5.7%
NCO YTD
0.75%
30-89 PD
2.31%
Band 0.3% / 3.0%
90+ PD
0.10%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.18% (govt-guarantees stripped).

Reserves

WatchQoQ +7
58
Sub-score

Reserves are deteriorating: ALLL 2.92% of loans, coverage 72.0%, true coverage 72.0%.

ALLL / Loans
2.92%
Coverage
72.0%
True Loss Coverage
72.0%
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