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Bankgloucester

IDRSSD: 331375
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
70
/ 100
StableAs of 2024-Q3QoQ 0

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 #331375 2024-Q3 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 104.1% (threshold 100%).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 48.7% (regulatory soft-warning level 50%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 48.7% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q2 2024:
↓ 0 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↑ +2
  • Reserves
    ↑ +3

The five pillars

Liquidity

StableQoQ -5
61
Sub-score

Liquidity is stable: brokered 6.1%, loans/deposits 104.1%, cash 2.1% of assets.

Cash / Assets
2.06%
Loans / Deposits
104.06%
Brokered %
6.06%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 104.1% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.06% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.16%
No watch items at this period.

Capitalization

StableQoQ -2
72
Sub-score

Capital position is stable: Tier 1 RBC 11.99%, CET1 11.99%, leverage 8.29%.

Tier 1 RBC
11.99%
CET1
11.99%
Leverage
8.29%
No watch items at this period.

Asset Quality

StrongQoQ +2
83
Sub-score

Asset quality is strong: Adjusted NPL 2.12%, Texas Ratio 20.1%, NCO YTD 0.00%.

Adjusted NPL
2.12%
Govt-guarantees stripped
Texas Ratio
20.1%
NCO YTD
0.00%
30-89 PD
0.46%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.12% (govt-guarantees stripped).

Reserves

RiskQoQ +3
26
Sub-score

Reserves are weak: ALLL 1.02% of loans, coverage 48.7%, true coverage 48.7%.

ALLL / Loans
1.02%
Coverage
48.7%
True Loss Coverage
48.7%

Watch Items

  • infoALLL / NPL below 50% — Coverage 48.7% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 48.7% (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