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Bankgloucester

IDRSSD: 331375
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2025-Q4QoQ 0

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

Quarterly Headline

2025-Q4

Bank #331375 2025-Q4 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. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 107.2% (threshold 100%).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 43.5% (regulatory soft-warning level 50%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 43.5% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2025:
↓ 0 ptscomposite
  • Liquidity
    ↓ -6
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ 0

The five pillars

Liquidity

StableQoQ -6
64
Sub-score

Liquidity is stable: brokered 2.3%, loans/deposits 107.2%, cash 2.8% of assets.

Cash / Assets
2.81%
Loans / Deposits
107.19%
Brokered %
2.27%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 107.2% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.81% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.58%
No watch items at this period.

Capitalization

StableQoQ 0
75
Sub-score

Capital position is stable: Tier 1 RBC 12.21%, CET1 12.21%, leverage 8.27%.

Tier 1 RBC
12.21%
CET1
12.21%
Leverage
8.27%
No watch items at this period.

Asset Quality

StrongQoQ +3
80
Sub-score

Asset quality is strong: Adjusted NPL 2.51%, Texas Ratio 23.4%, NCO YTD 0.00%.

Adjusted NPL
2.51%
Govt-guarantees stripped
Texas Ratio
23.4%
NCO YTD
0.00%
30-89 PD
0.08%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.51% (govt-guarantees stripped).

Reserves

RiskQoQ 0
26
Sub-score

Reserves are weak: ALLL 1.08% of loans, coverage 43.5%, true coverage 43.5%.

ALLL / Loans
1.08%
Coverage
43.5%
True Loss Coverage
43.5%

Watch Items

  • infoALLL / NPL below 50% — Coverage 43.5% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 43.5% (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