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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2024-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

2024-Q4

Bank #5382514 2024-Q4 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.74% of loans.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.15% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2024:
↓ -3 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -10
  • Reserves
    ↓ -11

The five pillars

Liquidity

StrongQoQ +6
85
Sub-score

Liquidity is strong: brokered 22.5%, loans/deposits 47.6%, cash 11.2% of assets.

Cash / Assets
11.19%
Loans / Deposits
47.64%
Brokered %
22.46%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.57%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 21.20%, CET1 21.20%, leverage 14.04%.

Tier 1 RBC
21.20%
CET1
21.20%
Leverage
14.04%
No watch items at this period.

Asset Quality

StableQoQ -10
71
Sub-score

Asset quality is stable: Adjusted NPL 2.15%, Texas Ratio 5.6%, NCO YTD 1.74%.

Adjusted NPL
2.15%
Govt-guarantees stripped
Texas Ratio
5.6%
NCO YTD
1.74%
30-89 PD
0.01%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.15% (govt-guarantees stripped).
  • watchNet charge-offs elevated — NCO YTD 1.74% of loans.

Reserves

WatchQoQ -11
43
Sub-score

Reserves are deteriorating: ALLL 1.28% of loans, coverage 60.3%, true coverage 60.3%.

ALLL / Loans
1.28%
Coverage
60.3%
True Loss Coverage
60.3%
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 11:13:40 UTC