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Bankgloucester

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

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2026-Q1QoQ -1

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

Quarterly Headline

2026-Q1

Bank #331375 2026-Q1 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 112.9% (threshold 100%).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 37.2% (regulatory soft-warning level 50%).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 37.2% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q4 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↑ +10
  • Asset Quality
    ↓ -6
  • Reserves
    ↓ -5

The five pillars

Liquidity

StableQoQ -4
60
Sub-score

Liquidity is stable: brokered 3.5%, loans/deposits 112.9%, cash 2.2% of assets.

Cash / Assets
2.20%
Loans / Deposits
112.95%
Brokered %
3.52%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 112.9% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.20% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.12%
No watch items at this period.

Capitalization

StrongQoQ +10
84
Sub-score

Capital position is strong: Tier 1 RBC 13.03%, CET1 13.03%, leverage 8.53%.

Tier 1 RBC
13.03%
CET1
13.03%
Leverage
8.53%
No watch items at this period.

Asset Quality

StableQoQ -6
74
Sub-score

Asset quality is stable: Adjusted NPL 2.78%, Texas Ratio 25.5%, NCO YTD 0.00%.

Adjusted NPL
2.78%
Govt-guarantees stripped
Texas Ratio
25.5%
NCO YTD
0.00%
30-89 PD
0.88%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.78% (govt-guarantees stripped).

Reserves

RiskQoQ -5
21
Sub-score

Reserves are weak: ALLL 1.03% of loans, coverage 37.2%, true coverage 37.2%.

ALLL / Loans
1.03%
Coverage
37.2%
True Loss Coverage
37.2%

Watch Items

  • watchALLL / NPL below 50% — Coverage 37.2% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 37.2% (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