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Gulf Capital Bank

IDRSSD: 5382514
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
74
/ 100
StableAs of 2023-Q4QoQ +11

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 #5382514 2023-Q4 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 24.7% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 24.7% (Adjusted NPL + Performing Mods denominator).
  3. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 7.89% of loans.

What changed this quarter

Compared to Q3 2023:
↑ +11 ptscomposite
  • Liquidity
    ↑ +16
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +48
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +16
86
Sub-score

Liquidity is strong: brokered 18.1%, loans/deposits 52.6%, cash 9.0% of assets.

Cash / Assets
8.95%
Loans / Deposits
52.56%
Brokered %
18.14%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.14%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 20.88%, CET1 20.88%, leverage 14.39%.

Tier 1 RBC
20.88%
CET1
20.88%
Leverage
14.39%
No watch items at this period.

Asset Quality

WatchQoQ +48
48
Sub-score

Asset quality is deteriorating: Adjusted NPL 6.05%, Texas Ratio 15.9%, NCO YTD 7.89%.

Adjusted NPL
6.05%
Govt-guarantees stripped
Texas Ratio
15.9%
NCO YTD
7.89%
30-89 PD
0.45%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 6.05% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 7.89% of loans.

Reserves

Risk
32
Sub-score

Reserves are weak: ALLL 1.47% of loans, coverage 24.7%, true coverage 24.7%.

ALLL / Loans
1.47%
Coverage
24.7%
True Loss Coverage
24.7%

Watch Items

  • riskALLL / NPL below 50% — Coverage 24.7% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 24.7% (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: 2026-05-14 11:13:40 UTC