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Goldwater Bank Na

IDRSSD: 3592047
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
63
/ 100
StableAs of 2025-Q2QoQ -12

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 #3592047 2025-Q2 Vital Signs Score: 63/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 123.0% (threshold 100%).
  2. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 46.4% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q1 2025:
↓ -12 ptscomposite
  • Liquidity
    ↓ -12
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -15
  • Reserves
    ↓ -41

The five pillars

Liquidity

StableQoQ -12
64
Sub-score

Liquidity is stable: brokered 1.2%, loans/deposits 123.0%, cash 3.0% of assets.

Cash / Assets
3.02%
Loans / Deposits
122.99%
Brokered %
1.24%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 123.0% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.94%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 12.27%.

Tier 1 RBC
—
CET1
0.00%
Leverage
12.27%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StableQoQ -15
72
Sub-score

Asset quality is stable: Adjusted NPL 2.72%, Texas Ratio 17.6%, NCO YTD 0.03%.

Adjusted NPL
2.72%
Govt-guarantees stripped
Texas Ratio
17.6%
NCO YTD
0.03%
30-89 PD
0.77%
Band 0.3% / 3.0%
90+ PD
0.65%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.72% (govt-guarantees stripped).

Reserves

RiskQoQ -41
33
Sub-score

Reserves are weak: ALLL 1.25% of loans, coverage 46.4%, true coverage 46.4%.

ALLL / Loans
1.25%
Coverage
46.4%
True Loss Coverage
46.4%

Watch Items

  • infoALLL / NPL below 50% — Coverage 46.4% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 46.4% (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 08:52:11 UTC