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Bankgloucester

IDRSSD: 331375
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
74
/ 100
StableAs of 2024-Q4QoQ +4

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 #331375 2024-Q4 Vital Signs Score: 74/100 — 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. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 105.0% (threshold 100%).

What changed this quarter

Compared to Q3 2024:
↑ +4 ptscomposite
  • Liquidity
    ↑ +7
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +4
  • Reserves
    ↑ +7

The five pillars

Liquidity

StableQoQ +7
68
Sub-score

Liquidity is stable: brokered 3.3%, loans/deposits 105.0%, cash 4.4% of assets.

Cash / Assets
4.37%
Loans / Deposits
105.03%
Brokered %
3.29%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 105.0% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.09%
No watch items at this period.

Capitalization

StableQoQ +1
73
Sub-score

Capital position is stable: Tier 1 RBC 12.13%, CET1 12.13%, leverage 8.24%.

Tier 1 RBC
12.13%
CET1
12.13%
Leverage
8.24%
No watch items at this period.

Asset Quality

StrongQoQ +4
88
Sub-score

Asset quality is strong: Adjusted NPL 1.78%, Texas Ratio 16.8%, NCO YTD -0.01%.

Adjusted NPL
1.78%
Govt-guarantees stripped
Texas Ratio
16.8%
NCO YTD
-0.01%
30-89 PD
0.14%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +7
33
Sub-score

Reserves are weak: ALLL 1.03% of loans, coverage 58.6%, true coverage 58.6%.

ALLL / Loans
1.03%
Coverage
58.6%
True Loss Coverage
58.6%
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: 2026-05-13 04:04:28 UTC