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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
62
/ 100
StableAs of 2025-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

2025-Q4

Bank #3851427 2025-Q4 Vital Signs Score: 62/100 — 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
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 14.7% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 15.9% (regulatory soft-warning level 50%).
  3. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 125.6% (threshold 100%).

What changed this quarter

Compared to Q3 2025:
↓ -2 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ -9
  • Reserves
    ↑ +1

The five pillars

Liquidity

WatchQoQ +1
56
Sub-score

Liquidity is deteriorating: brokered 25.5%, loans/deposits 125.6%, cash 6.9% of assets.

Cash / Assets
6.87%
Loans / Deposits
125.65%
Brokered %
25.46%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 125.6% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.92%
No watch items at this period.

Capitalization

StrongQoQ 0
95
Sub-score

Capital position is strong: Tier 1 RBC 13.91%, CET1 13.91%, leverage 12.38%.

Tier 1 RBC
13.91%
CET1
13.91%
Leverage
12.38%
No watch items at this period.

Asset Quality

WatchQoQ -9
44
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.74%, Texas Ratio 28.3%, NCO YTD 0.01%.

Adjusted NPL
4.74%
Govt-guarantees stripped
Texas Ratio
28.3%
NCO YTD
0.01%
30-89 PD
0.89%
Band 0.3% / 3.0%
90+ PD
3.83%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.74% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 3.83%.

Reserves

RiskQoQ +1
8
Sub-score

Reserves are weak: ALLL 0.75% of loans, coverage 15.9%, true coverage 14.7%.

ALLL / Loans
0.75%
Coverage
15.9%
True Loss Coverage
14.7%

Watch Items

  • riskALLL / NPL below 50% — Coverage 15.9% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 14.7% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.75% 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