Visbanking Logo
Skip to main content

Guaranty Bank Inc

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

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2025-Q3QoQ +1

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

Quarterly Headline

2025-Q3

Bank #706236 2025-Q3 Vital Signs Score: 82/100 — 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
    Cash / Assets below 3%
    Liquidity — Cash 2.82% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2025:
↑ +1 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ +3

The five pillars

Liquidity

WatchQoQ -1
59
Sub-score

Liquidity is deteriorating: brokered 16.3%, loans/deposits 98.1%, cash 2.8% of assets.

Cash / Assets
2.82%
Loans / Deposits
98.13%
Brokered %
16.28%

Watch Items

  • infoCash / Assets below 3% — Cash 2.82% 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 17.92%, CET1 17.92%, leverage 14.05%.

Tier 1 RBC
17.92%
CET1
17.92%
Leverage
14.05%
No watch items at this period.

Asset Quality

StableQoQ +3
74
Sub-score

Asset quality is stable: Adjusted NPL 1.72%, Texas Ratio 9.2%, NCO YTD -0.01%.

Adjusted NPL
1.72%
Govt-guarantees stripped
Texas Ratio
9.2%
NCO YTD
-0.01%
30-89 PD
2.73%
Band 0.3% / 3.0%
90+ PD
0.21%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +3
76
Sub-score

Reserves are stable: ALLL 1.64% of loans, coverage 96.8%, true coverage 96.8%.

ALLL / Loans
1.64%
Coverage
96.8%
True Loss Coverage
96.8%
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