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Gateway First Bank

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

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2024-Q2QoQ +9

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

Quarterly Headline

2024-Q2

Bank #3851427 2024-Q2 Vital Signs Score: 72/100 — 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. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 117.7% (threshold 100%).
  2. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.79%.
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 40.3% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q1 2024:
↑ +9 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +29
  • Reserves
    ↑ +7

The five pillars

Liquidity

StableQoQ +3
70
Sub-score

Liquidity is stable: brokered 14.4%, loans/deposits 117.7%, cash 11.7% of assets.

Cash / Assets
11.71%
Loans / Deposits
117.66%
Brokered %
14.39%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 117.7% (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 -1
91
Sub-score

Capital position is strong: Tier 1 RBC 13.30%, CET1 13.30%, leverage 11.32%.

Tier 1 RBC
13.30%
CET1
13.30%
Leverage
11.32%
No watch items at this period.

Asset Quality

StableQoQ +29
63
Sub-score

Asset quality is stable: Adjusted NPL 2.90%, Texas Ratio 16.5%, NCO YTD 0.00%.

Adjusted NPL
2.90%
Govt-guarantees stripped
Texas Ratio
16.5%
NCO YTD
0.00%
30-89 PD
0.45%
Band 0.3% / 3.0%
90+ PD
1.79%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.90% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.79%.

Reserves

RiskQoQ +7
27
Sub-score

Reserves are weak: ALLL 1.16% of loans, coverage 40.3%, true coverage 40.3%.

ALLL / Loans
1.16%
Coverage
40.3%
True Loss Coverage
40.3%

Watch Items

  • infoALLL / NPL below 50% — Coverage 40.3% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 40.3% (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