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Bank Of Gueydan

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

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
46
/ 100
WatchAs of 2025-Q3QoQ -6

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

Quarterly Headline

2025-Q3

Bank #603232 2025-Q3 Vital Signs Score: 46/100 — 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. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 7.32% of loans.
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 6.59% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↓ -6 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -18
  • Reserves
    ↓ -11

The five pillars

Liquidity

StrongQoQ -2
83
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 45.6%, cash 2.2% of assets.

Cash / Assets
2.20%
Loans / Deposits
45.61%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.20% of assets (threshold 3%).

Securities

Risk
0
Sub-score

Securities profile is weak: securities 54.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
54.35%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 21.80%.

Tier 1 RBC
—
CET1
0.00%
Leverage
21.80%

Watch Items

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

Asset Quality

WatchQoQ -18
41
Sub-score

Asset quality is deteriorating: Adjusted NPL 6.59%, Texas Ratio 9.9%, NCO YTD 7.32%.

Adjusted NPL
6.59%
Govt-guarantees stripped
Texas Ratio
9.9%
NCO YTD
7.32%
30-89 PD
1.82%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 6.59% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 7.32% of loans.

Reserves

WatchQoQ -11
47
Sub-score

Reserves are deteriorating: ALLL 3.58% of loans, coverage 56.3%, true coverage 56.3%.

ALLL / Loans
3.58%
Coverage
56.3%
True Loss Coverage
56.3%
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