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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-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
64
/ 100
StableAs of 2025-Q2QoQ +5

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

Quarterly Headline

2025-Q2

Bank #3851427 2025-Q2 Vital Signs Score: 64/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 18.7% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 18.7% (Adjusted NPL + Performing Mods denominator).
  3. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 124.5% (threshold 100%).

What changed this quarter

Compared to Q1 2025:
↑ +5 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↑ +20
  • Reserves
    ↓ -1

The five pillars

Liquidity

WatchQoQ 0
58
Sub-score

Liquidity is deteriorating: brokered 20.6%, loans/deposits 124.5%, cash 6.4% of assets.

Cash / Assets
6.37%
Loans / Deposits
124.53%
Brokered %
20.63%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 124.5% (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
1.11%
No watch items at this period.

Capitalization

StrongQoQ 0
95
Sub-score

Capital position is strong: Tier 1 RBC 13.90%, CET1 13.90%, leverage 12.76%.

Tier 1 RBC
13.90%
CET1
13.90%
Leverage
12.76%
No watch items at this period.

Asset Quality

WatchQoQ +20
52
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.88%, Texas Ratio 23.0%, NCO YTD 0.00%.

Adjusted NPL
3.88%
Govt-guarantees stripped
Texas Ratio
23.0%
NCO YTD
0.00%
30-89 PD
0.44%
Band 0.3% / 3.0%
90+ PD
3.15%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.88% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 3.15%.

Reserves

RiskQoQ -1
7
Sub-score

Reserves are weak: ALLL 0.72% of loans, coverage 18.7%, true coverage 18.7%.

ALLL / Loans
0.72%
Coverage
18.7%
True Loss Coverage
18.7%

Watch Items

  • riskALLL / NPL below 50% — Coverage 18.7% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 18.7% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.72% of loans.

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