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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
64
/ 100
StableAs of 2025-Q3QoQ 0

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

Quarterly Headline

2025-Q3

Bank #3851427 2025-Q3 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 19.1% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 19.1% (Adjusted NPL + Performing Mods denominator).
  3. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 121.8% (threshold 100%).

What changed this quarter

Compared to Q2 2025:
↓ 0 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↑ +1
  • Reserves
    ↓ 0

The five pillars

Liquidity

WatchQoQ -4
55
Sub-score

Liquidity is deteriorating: brokered 25.4%, loans/deposits 121.8%, cash 6.2% of assets.

Cash / Assets
6.19%
Loans / Deposits
121.77%
Brokered %
25.37%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 121.8% (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
1.10%
No watch items at this period.

Capitalization

StrongQoQ 0
94
Sub-score

Capital position is strong: Tier 1 RBC 13.88%, CET1 13.88%, leverage 12.42%.

Tier 1 RBC
13.88%
CET1
13.88%
Leverage
12.42%
No watch items at this period.

Asset Quality

WatchQoQ +1
53
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.74%, Texas Ratio 22.2%, NCO YTD 0.04%.

Adjusted NPL
3.74%
Govt-guarantees stripped
Texas Ratio
22.2%
NCO YTD
0.04%
30-89 PD
0.42%
Band 0.3% / 3.0%
90+ PD
3.05%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.74% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 3.05%.

Reserves

RiskQoQ 0
7
Sub-score

Reserves are weak: ALLL 0.71% of loans, coverage 19.1%, true coverage 19.1%.

ALLL / Loans
0.71%
Coverage
19.1%
True Loss Coverage
19.1%

Watch Items

  • riskALLL / NPL below 50% — Coverage 19.1% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 19.1% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.71% 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