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Guaranty Bank Inc

IDRSSD: 706236
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2024-Q1QoQ -11

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

Quarterly Headline

2024-Q1

Bank #706236 2024-Q1 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.30% of assets (threshold 3%).
  2. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.41%.

What changed this quarter

Compared to Q4 2023:
↓ -11 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -21
  • Reserves
    ↓ -35

The five pillars

Liquidity

WatchQoQ -1
59
Sub-score

Liquidity is deteriorating: brokered 15.4%, loans/deposits 98.1%, cash 2.3% of assets.

Cash / Assets
2.30%
Loans / Deposits
98.07%
Brokered %
15.43%

Watch Items

  • infoCash / Assets below 3% — Cash 2.30% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 18.20%, CET1 18.20%, leverage 13.16%.

Tier 1 RBC
18.20%
CET1
18.20%
Leverage
13.16%
No watch items at this period.

Asset Quality

WatchQoQ -21
60
Sub-score

Asset quality is deteriorating: Adjusted NPL 1.90%, Texas Ratio 10.9%, NCO YTD -0.02%.

Adjusted NPL
1.90%
Govt-guarantees stripped
Texas Ratio
10.9%
NCO YTD
-0.02%
30-89 PD
4.56%
Band 0.3% / 3.0%
90+ PD
1.41%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.41%.

Reserves

StableQoQ -35
65
Sub-score

Reserves are stable: ALLL 1.52% of loans, coverage 81.7%, true coverage 80.8%.

ALLL / Loans
1.52%
Coverage
81.7%
True Loss Coverage
80.8%
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: 2026-05-13 06:42:46 UTC