Visbanking Logo
Skip to main content

Gainey Business Bank

IDRSSD: 5758445
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
73
/ 100
StableAs of 2026-Q1QoQ -4

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 #5758445 2026-Q1 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (risk).

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

Top 3 Watch Items

  1. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.42% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2025:
↓ -4 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ -10
  • Asset Quality
    ↓ -7
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ 0
63
Sub-score

Liquidity is stable: brokered 5.4%, loans/deposits 97.4%, cash 0.4% of assets.

Cash / Assets
0.42%
Loans / Deposits
97.43%
Brokered %
5.41%

Watch Items

  • riskCash / Assets below 3% — Cash 0.42% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

RiskQoQ -10
37
Sub-score

Capital position is weak: Tier 1 RBC 8.92%, CET1 8.92%, leverage 7.81%.

Tier 1 RBC
8.92%
CET1
8.92%
Leverage
7.81%
No watch items at this period.

Asset Quality

StrongQoQ -7
93
Sub-score

Asset quality is strong: Adjusted NPL 0.07%, Texas Ratio 0.7%, NCO YTD 0.86%.

Adjusted NPL
0.07%
Govt-guarantees stripped
Texas Ratio
0.7%
NCO YTD
0.86%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +1
87
Sub-score

Reserves are strong: ALLL 1.12% of loans, coverage 1565.2%, true coverage 1565.2%.

ALLL / Loans
1.12%
Coverage
1565.2%
True Loss Coverage
1565.2%
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: 2026-05-14 11:22:50 UTC