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Guaranty Bank And Trust Company

IDRSSD: 289739
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
76
/ 100
StableAs of 2024-Q3QoQ +3

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 #289739 2024-Q3 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    ALLL / NPL below 50%
    Reserves — Coverage 49.6% (regulatory soft-warning level 50%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 49.6% (Adjusted NPL + Performing Mods denominator).
  3. info
    Cash / Assets below 3%
    Liquidity — Cash 2.76% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↑ +3 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +10
  • Reserves
    ↑ +6

The five pillars

Liquidity

StableQoQ -3
75
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 86.9%, cash 2.8% of assets.

Cash / Assets
2.76%
Loans / Deposits
86.86%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.76% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.05%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 21.27%, CET1 21.27%, leverage 13.74%.

Tier 1 RBC
21.27%
CET1
21.27%
Leverage
13.74%
No watch items at this period.

Asset Quality

StableQoQ +10
66
Sub-score

Asset quality is stable: Adjusted NPL 2.04%, Texas Ratio 10.4%, NCO YTD 0.00%.

Adjusted NPL
2.04%
Govt-guarantees stripped
Texas Ratio
10.4%
NCO YTD
0.00%
30-89 PD
3.50%
Band 0.3% / 3.0%
90+ PD
0.53%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.04% (govt-guarantees stripped).

Reserves

RiskQoQ +6
26
Sub-score

Reserves are weak: ALLL 1.00% of loans, coverage 49.6%, true coverage 49.6%.

ALLL / Loans
1.00%
Coverage
49.6%
True Loss Coverage
49.6%

Watch Items

  • infoALLL / NPL below 50% — Coverage 49.6% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 49.6% (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: 2026-05-13 11:42:34 UTC