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Gateway First Bank

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

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
59
/ 100
WatchAs of 2025-Q1QoQ -6

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

Quarterly Headline

2025-Q1

Bank #3851427 2025-Q1 Vital Signs Score: 59/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 17.1% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 17.1% (Adjusted NPL + Performing Mods denominator).
  3. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 119.0% (threshold 100%).

What changed this quarter

Compared to Q4 2024:
↓ -6 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -13
  • Reserves
    ↓ -12

The five pillars

Liquidity

WatchQoQ -4
58
Sub-score

Liquidity is deteriorating: brokered 22.4%, loans/deposits 119.0%, cash 6.9% of assets.

Cash / Assets
6.87%
Loans / Deposits
119.00%
Brokered %
22.41%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 119.0% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.09%
No watch items at this period.

Capitalization

StrongQoQ -1
95
Sub-score

Capital position is strong: Tier 1 RBC 13.90%, CET1 13.90%, leverage 13.15%.

Tier 1 RBC
13.90%
CET1
13.90%
Leverage
13.15%
No watch items at this period.

Asset Quality

RiskQoQ -13
31
Sub-score

Asset quality is weak: Adjusted NPL 4.48%, Texas Ratio 25.2%, NCO YTD 1.62%.

Adjusted NPL
4.48%
Govt-guarantees stripped
Texas Ratio
25.2%
NCO YTD
1.62%
30-89 PD
1.07%
Band 0.3% / 3.0%
90+ PD
3.64%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.48% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 3.64%.
  • watchNet charge-offs elevated — NCO YTD 1.62% of loans.

Reserves

RiskQoQ -12
9
Sub-score

Reserves are weak: ALLL 0.76% of loans, coverage 17.1%, true coverage 17.1%.

ALLL / Loans
0.76%
Coverage
17.1%
True Loss Coverage
17.1%

Watch Items

  • riskALLL / NPL below 50% — Coverage 17.1% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 17.1% (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