Visbanking Logo
Skip to main content

Goppert State Service Bank

IDRSSD: 850456
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
55
/ 100
WatchAs of 2023-Q4QoQ -42

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

Quarterly Headline

2023-Q4

Bank #850456 2023-Q4 Vital Signs Score: 55/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.97% of loans.
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.70% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2023:
↓ -42 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    — —
  • Capitalization
    ↓ -54
  • Asset Quality
    ↓ -76
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -7
86
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 92.5%, cash 8.7% of assets.

Cash / Assets
8.75%
Loans / Deposits
92.49%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.10%
No watch items at this period.

Capitalization

WatchQoQ -54
44
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.32%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.32%

Watch Items

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

Asset Quality

RiskQoQ -76
24
Sub-score

Asset quality is weak: Adjusted NPL 3.70%, Texas Ratio 29.1%, NCO YTD 2.97%.

Adjusted NPL
3.70%
Govt-guarantees stripped
Texas Ratio
29.1%
NCO YTD
2.97%
30-89 PD
2.30%
Band 0.3% / 3.0%
90+ PD
2.08%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.70% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.08%.
  • riskNet charge-offs elevated — NCO YTD 2.97% of loans.

Reserves

Watch
41
Sub-score

Reserves are deteriorating: ALLL 1.66% of loans, coverage 45.5%, true coverage 45.5%.

ALLL / Loans
1.66%
Coverage
45.5%
True Loss Coverage
45.5%

Watch Items

  • infoALLL / NPL below 50% — Coverage 45.5% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 45.5% (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: 2026-05-12 19:05:09 UTC