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Gateway Bank

IDRSSD: 733540
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
57
/ 100
WatchAs of 2025-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

2025-Q4

Bank #733540 2025-Q4 Vital Signs Score: 57/100 — 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. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.93% of assets (threshold 3%).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 33.0% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2025:
↑ +4 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↑ +19
  • Reserves
    ↓ -4

The five pillars

Liquidity

WatchQoQ 0
56
Sub-score

Liquidity is deteriorating: brokered 13.0%, loans/deposits 100.5%, cash 0.9% of assets.

Cash / Assets
0.93%
Loans / Deposits
100.55%
Brokered %
13.04%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 100.5% (threshold 100%).
  • riskCash / Assets below 3% — Cash 0.93% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.21%
No watch items at this period.

Capitalization

WatchQoQ 0
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 10.18%.

Tier 1 RBC
—
CET1
0.00%
Leverage
10.18%

Watch Items

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

Asset Quality

StableQoQ +19
61
Sub-score

Asset quality is stable: Adjusted NPL 3.49%, Texas Ratio 28.4%, NCO YTD 0.68%.

Adjusted NPL
3.49%
Govt-guarantees stripped
Texas Ratio
28.4%
NCO YTD
0.68%
30-89 PD
1.16%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.49% (govt-guarantees stripped).

Reserves

RiskQoQ -4
23
Sub-score

Reserves are weak: ALLL 1.14% of loans, coverage 33.1%, true coverage 33.0%.

ALLL / Loans
1.14%
Coverage
33.1%
True Loss Coverage
33.0%

Watch Items

  • watchALLL / NPL below 50% — Coverage 33.1% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 33.0% (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