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Gateway First Bank

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

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
66
/ 100
StableAs of 2026-Q1QoQ +4

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

Quarterly Headline

2026-Q1

Bank #3851427 2026-Q1 Vital Signs Score: 66/100 — 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 22.1% (Adjusted NPL + Performing Mods denominator).
  2. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 123.9% (threshold 100%).
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 25.3% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q4 2025:
↑ +4 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↑ +8
  • Reserves
    ↑ 0

The five pillars

Liquidity

WatchQoQ +2
58
Sub-score

Liquidity is deteriorating: brokered 22.2%, loans/deposits 123.9%, cash 6.9% of assets.

Cash / Assets
6.91%
Loans / Deposits
123.92%
Brokered %
22.20%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 123.9% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.01%
No watch items at this period.

Capitalization

StrongQoQ +5
99
Sub-score

Capital position is strong: Tier 1 RBC 15.09%, CET1 15.09%, leverage 13.57%.

Tier 1 RBC
15.09%
CET1
15.09%
Leverage
13.57%
No watch items at this period.

Asset Quality

WatchQoQ +8
52
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.02%, Texas Ratio 16.8%, NCO YTD 0.00%.

Adjusted NPL
3.02%
Govt-guarantees stripped
Texas Ratio
16.8%
NCO YTD
0.00%
30-89 PD
1.65%
Band 0.3% / 3.0%
90+ PD
2.10%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.02% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.10%.

Reserves

RiskQoQ 0
9
Sub-score

Reserves are weak: ALLL 0.76% of loans, coverage 25.3%, true coverage 22.1%.

ALLL / Loans
0.76%
Coverage
25.3%
True Loss Coverage
22.1%

Watch Items

  • watchALLL / NPL below 50% — Coverage 25.3% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 22.1% (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