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Gateway First Bank

IDRSSD: 3851427
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
61
/ 100
StableAs of 2023-Q4QoQ -34

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

Quarterly Headline

2023-Q4

Bank #3851427 2023-Q4 Vital Signs Score: 61/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 140.8% (threshold 100%).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 9.3% (regulatory soft-warning level 50%).
  3. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 9.3% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2023:
↓ -34 ptscomposite
  • Liquidity
    ↓ -20
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↓ -70
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -20
65
Sub-score

Liquidity is stable: brokered 21.9%, loans/deposits 140.8%, cash 10.9% of assets.

Cash / Assets
10.95%
Loans / Deposits
140.76%
Brokered %
21.90%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 140.8% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.43%
No watch items at this period.

Capitalization

StrongQoQ -5
91
Sub-score

Capital position is strong: Tier 1 RBC 12.53%, CET1 12.53%, leverage 11.19%.

Tier 1 RBC
12.53%
CET1
12.53%
Leverage
11.19%
No watch items at this period.

Asset Quality

RiskQoQ -70
30
Sub-score

Asset quality is weak: Adjusted NPL 11.68%, Texas Ratio 72.2%, NCO YTD -0.06%.

Adjusted NPL
11.68%
Govt-guarantees stripped
Texas Ratio
72.2%
NCO YTD
-0.06%
30-89 PD
1.74%
Band 0.3% / 3.0%
90+ PD
10.71%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 11.68% (govt-guarantees stripped).
  • infoTexas Ratio above 50% — Texas Ratio 72.2% (industry watch band 50% / risk band 100%).
  • risk90+ days past due elevated — 90+ PD 10.71%.

Reserves

Risk
19
Sub-score

Reserves are weak: ALLL 1.08% of loans, coverage 9.3%, true coverage 9.3%.

ALLL / Loans
1.08%
Coverage
9.3%
True Loss Coverage
9.3%

Watch Items

  • riskALLL / NPL below 50% — Coverage 9.3% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 9.3% (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 23:19:07 UTC