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Gulf Capital Bank

IDRSSD: 5382514
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 +2

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 #5382514 2024-Q1 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / NPL below 50%
    Reserves — Coverage 32.1% (regulatory soft-warning level 50%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 32.1% (Adjusted NPL + Performing Mods denominator).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.97% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2023:
↑ +2 ptscomposite
  • Liquidity
    ↓ -15
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +19
  • Reserves
    ↑ +2

The five pillars

Liquidity

StableQoQ -15
70
Sub-score

Liquidity is stable: brokered 18.6%, loans/deposits 48.3%, cash 2.1% of assets.

Cash / Assets
2.14%
Loans / Deposits
48.30%
Brokered %
18.58%

Watch Items

  • infoCash / Assets below 3% — Cash 2.14% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.76%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 20.96%, CET1 20.96%, leverage 13.64%.

Tier 1 RBC
20.96%
CET1
20.96%
Leverage
13.64%
No watch items at this period.

Asset Quality

StableQoQ +19
67
Sub-score

Asset quality is stable: Adjusted NPL 4.97%, Texas Ratio 12.7%, NCO YTD 0.00%.

Adjusted NPL
4.97%
Govt-guarantees stripped
Texas Ratio
12.7%
NCO YTD
0.00%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.97% (govt-guarantees stripped).

Reserves

RiskQoQ +2
34
Sub-score

Reserves are weak: ALLL 1.57% of loans, coverage 32.1%, true coverage 32.1%.

ALLL / Loans
1.57%
Coverage
32.1%
True Loss Coverage
32.1%

Watch Items

  • watchALLL / NPL below 50% — Coverage 32.1% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 32.1% (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