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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-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
48
/ 100
WatchAs of 2024-Q3QoQ -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-Q3

Bank #603232 2024-Q3 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:Risk

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 11.00% (govt-guarantees stripped).
  2. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 28.2% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q2 2024:
↓ -3 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +3
  • Reserves
    ↓ -27

The five pillars

Liquidity

StrongQoQ +1
84
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 45.3%, cash 2.8% of assets.

Cash / Assets
2.81%
Loans / Deposits
45.32%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.81% of assets (threshold 3%).

Securities

Risk
0
Sub-score

Securities profile is weak: securities 60.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
60.16%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 21.72%.

Tier 1 RBC
—
CET1
0.00%
Leverage
21.72%

Watch Items

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

Asset Quality

WatchQoQ +3
53
Sub-score

Asset quality is deteriorating: Adjusted NPL 11.00%, Texas Ratio 16.8%, NCO YTD 0.86%.

Adjusted NPL
11.00%
Govt-guarantees stripped
Texas Ratio
16.8%
NCO YTD
0.86%
30-89 PD
0.95%
Band 0.3% / 3.0%
90+ PD
0.25%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 11.00% (govt-guarantees stripped).

Reserves

RiskQoQ -27
33
Sub-score

Reserves are weak: ALLL 3.01% of loans, coverage 28.2%, true coverage 28.2%.

ALLL / Loans
3.01%
Coverage
28.2%
True Loss Coverage
28.2%

Watch Items

  • watchALLL / NPL below 50% — Coverage 28.2% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 28.2% (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: 2026-05-14 14:58:53 UTC