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Bankgloucester

IDRSSD: 331375
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
68
/ 100
StableAs of 2024-Q1QoQ -7

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 #331375 2024-Q1 Vital Signs Score: 68/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / NPL below 50%
    Reserves — Coverage 34.2% (regulatory soft-warning level 50%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 34.2% (Adjusted NPL + Performing Mods denominator).
  3. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 101.2% (threshold 100%).

What changed this quarter

Compared to Q4 2023:
↓ -7 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -12
  • Reserves
    ↓ -25

The five pillars

Liquidity

StableQoQ -4
62
Sub-score

Liquidity is stable: brokered 8.1%, loans/deposits 101.2%, cash 2.2% of assets.

Cash / Assets
2.16%
Loans / Deposits
101.19%
Brokered %
8.07%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 101.2% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.16% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.00%
No watch items at this period.

Capitalization

StableQoQ +1
76
Sub-score

Capital position is stable: Tier 1 RBC 11.94%, CET1 11.94%, leverage 8.33%.

Tier 1 RBC
11.94%
CET1
11.94%
Leverage
8.33%
No watch items at this period.

Asset Quality

StableQoQ -12
76
Sub-score

Asset quality is stable: Adjusted NPL 2.99%, Texas Ratio 28.2%, NCO YTD 0.00%.

Adjusted NPL
2.99%
Govt-guarantees stripped
Texas Ratio
28.2%
NCO YTD
0.00%
30-89 PD
0.03%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.99% (govt-guarantees stripped).

Reserves

RiskQoQ -25
19
Sub-score

Reserves are weak: ALLL 1.01% of loans, coverage 34.2%, true coverage 34.2%.

ALLL / Loans
1.01%
Coverage
34.2%
True Loss Coverage
34.2%

Watch Items

  • watchALLL / NPL below 50% — Coverage 34.2% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 34.2% (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: 2026-05-13 04:04:28 UTC