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Guaranty Bank

IDRSSD: 3804535
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2023-Q4QoQ -3

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

Quarterly Headline

2023-Q4

Bank #3804535 2023-Q4 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.90% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2023:
↓ -3 ptscomposite
  • Liquidity
    ↓ -17
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ 0
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ -17
56
Sub-score

Liquidity is deteriorating: brokered 17.7%, loans/deposits 98.5%, cash 1.9% of assets.

Cash / Assets
1.90%
Loans / Deposits
98.48%
Brokered %
17.72%

Watch Items

  • watchCash / Assets below 3% — Cash 1.90% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.39%
No watch items at this period.

Capitalization

StrongQoQ 0
82
Sub-score

Capital position is strong: Tier 1 RBC 11.58%, CET1 11.58%, leverage 10.80%.

Tier 1 RBC
11.58%
CET1
11.58%
Leverage
10.80%
No watch items at this period.

Asset Quality

StrongQoQ 0
100
Sub-score

Asset quality is strong: Adjusted NPL 0.44%, Texas Ratio 2.9%, NCO YTD 0.01%.

Adjusted NPL
0.44%
Govt-guarantees stripped
Texas Ratio
2.9%
NCO YTD
0.01%
30-89 PD
0.04%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
89
Sub-score

Reserves are strong: ALLL 1.18% of loans, coverage 272.6%, true coverage 272.6%.

ALLL / Loans
1.18%
Coverage
272.6%
True Loss Coverage
272.6%
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: 2026-05-14 10:49:59 UTC