Visbanking Logo
Skip to main content

Bank Of Gueydan

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

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
47
/ 100
WatchAs of 2024-Q4QoQ -1

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

Quarterly Headline

2024-Q4

Bank #603232 2024-Q4 Vital Signs Score: 47/100 — 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
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 11.04% (govt-guarantees stripped).
  2. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  3. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.34% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -7
  • Reserves
    ↑ +11

The five pillars

Liquidity

StrongQoQ -3
81
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 45.7%, cash 1.3% of assets.

Cash / Assets
1.34%
Loans / Deposits
45.70%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.34% of assets (threshold 3%).

Securities

Risk
0
Sub-score

Securities profile is weak: securities 61.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
61.08%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 20.58%.

Tier 1 RBC
—
CET1
0.00%
Leverage
20.58%

Watch Items

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

Asset Quality

WatchQoQ -7
46
Sub-score

Asset quality is deteriorating: Adjusted NPL 11.04%, Texas Ratio 17.1%, NCO YTD 0.30%.

Adjusted NPL
11.04%
Govt-guarantees stripped
Texas Ratio
17.1%
NCO YTD
0.30%
30-89 PD
5.91%
Band 0.3% / 3.0%
90+ PD
0.20%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 11.04% (govt-guarantees stripped).

Reserves

WatchQoQ +11
44
Sub-score

Reserves are deteriorating: ALLL 5.46% of loans, coverage 52.3%, true coverage 52.3%.

ALLL / Loans
5.46%
Coverage
52.3%
True Loss Coverage
52.3%
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: 2026-05-14 14:58:53 UTC