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Guaranty Bank And Trust Company Of Delhi Louisiana

IDRSSD: 969255
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2024-Q3QoQ -9

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

Quarterly Headline

2024-Q3

Bank #969255 2024-Q3 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q2 2024:
↓ -9 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -10
  • Reserves
    ↓ -38

The five pillars

Liquidity

StrongQoQ -1
88
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 93.4%, cash 16.1% of assets.

Cash / Assets
16.07%
Loans / Deposits
93.36%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.22%
No watch items at this period.

Capitalization

StrongQoQ -1
92
Sub-score

Capital position is strong: Tier 1 RBC 14.10%, CET1 14.10%, leverage 8.67%.

Tier 1 RBC
14.10%
CET1
14.10%
Leverage
8.67%
No watch items at this period.

Asset Quality

StableQoQ -10
72
Sub-score

Asset quality is stable: Adjusted NPL 1.55%, Texas Ratio 12.9%, NCO YTD 0.45%.

Adjusted NPL
1.55%
Govt-guarantees stripped
Texas Ratio
12.9%
NCO YTD
0.45%
30-89 PD
2.71%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -38
25
Sub-score

Reserves are weak: ALLL 0.85% of loans, coverage 55.4%, true coverage 55.4%.

ALLL / Loans
0.85%
Coverage
55.4%
True Loss Coverage
55.4%
No watch items at this period.

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 21:31:15 UTC