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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-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StrongAs of 2024-Q2QoQ +4

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

Quarterly Headline

2024-Q2

Bank #706236 2024-Q2 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 101.0% (threshold 100%).
  2. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.08%.

What changed this quarter

Compared to Q1 2024:
↑ +4 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +14
  • Reserves
    ↑ +1

The five pillars

Liquidity

WatchQoQ +1
59
Sub-score

Liquidity is deteriorating: brokered 15.4%, loans/deposits 101.0%, cash 3.3% of assets.

Cash / Assets
3.32%
Loans / Deposits
101.02%
Brokered %
15.38%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 101.0% (threshold 100%).

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 17.51%, CET1 17.51%, leverage 13.03%.

Tier 1 RBC
17.51%
CET1
17.51%
Leverage
13.03%
No watch items at this period.

Asset Quality

StableQoQ +14
74
Sub-score

Asset quality is stable: Adjusted NPL 1.88%, Texas Ratio 11.0%, NCO YTD -0.03%.

Adjusted NPL
1.88%
Govt-guarantees stripped
Texas Ratio
11.0%
NCO YTD
-0.03%
30-89 PD
1.22%
Band 0.3% / 3.0%
90+ PD
1.08%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.08%.

Reserves

StableQoQ +1
66
Sub-score

Reserves are stable: ALLL 1.53% of loans, coverage 82.5%, true coverage 82.5%.

ALLL / Loans
1.53%
Coverage
82.5%
True Loss Coverage
82.5%
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