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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
66
/ 100
StableAs 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 #3851427 2024-Q4 Vital Signs Score: 66/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 130.9% (threshold 100%).
  2. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 3.41%.
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 25.1% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q3 2024:
↓ -2 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↓ -7
  • Reserves
    ↓ -2

The five pillars

Liquidity

StableQoQ -5
62
Sub-score

Liquidity is stable: brokered 21.6%, loans/deposits 130.9%, cash 8.2% of assets.

Cash / Assets
8.23%
Loans / Deposits
130.86%
Brokered %
21.56%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 130.9% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.71%
No watch items at this period.

Capitalization

StrongQoQ +5
96
Sub-score

Capital position is strong: Tier 1 RBC 13.89%, CET1 13.89%, leverage 13.17%.

Tier 1 RBC
13.89%
CET1
13.89%
Leverage
13.17%
No watch items at this period.

Asset Quality

WatchQoQ -7
45
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.56%, Texas Ratio 24.8%, NCO YTD 0.03%.

Adjusted NPL
4.56%
Govt-guarantees stripped
Texas Ratio
24.8%
NCO YTD
0.03%
30-89 PD
1.02%
Band 0.3% / 3.0%
90+ PD
3.41%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.56% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 3.41%.

Reserves

RiskQoQ -2
21
Sub-score

Reserves are weak: ALLL 1.13% of loans, coverage 25.1%, true coverage 25.1%.

ALLL / Loans
1.13%
Coverage
25.1%
True Loss Coverage
25.1%

Watch Items

  • watchALLL / NPL below 50% — Coverage 25.1% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 25.1% (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