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Gateway Bank

IDRSSD: 733540
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
59
/ 100
WatchAs of 2024-Q4QoQ -2

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 #733540 2024-Q4 Vital Signs Score: 59/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 109.4% (threshold 100%).
  3. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.04% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2024:
↓ -2 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -10
  • Reserves
    ↑ +3

The five pillars

Liquidity

WatchQoQ -1
49
Sub-score

Liquidity is deteriorating: brokered 16.7%, loans/deposits 109.4%, cash 1.0% of assets.

Cash / Assets
1.04%
Loans / Deposits
109.41%
Brokered %
16.74%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 109.4% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.04% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.35%
No watch items at this period.

Capitalization

WatchQoQ -1
45
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.37%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.37%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StableQoQ -10
70
Sub-score

Asset quality is stable: Adjusted NPL 2.51%, Texas Ratio 22.4%, NCO YTD -0.04%.

Adjusted NPL
2.51%
Govt-guarantees stripped
Texas Ratio
22.4%
NCO YTD
-0.04%
30-89 PD
1.56%
Band 0.3% / 3.0%
90+ PD
0.41%
Band 0.1% / 2.0%

Watch Items

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

Reserves

RiskQoQ +3
33
Sub-score

Reserves are weak: ALLL 1.23% of loans, coverage 49.5%, true coverage 49.3%.

ALLL / Loans
1.23%
Coverage
49.5%
True Loss Coverage
49.3%

Watch Items

  • infoALLL / NPL below 50% — Coverage 49.5% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 49.3% (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: 2026-05-14 17:10:31 UTC