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Gulf Coast Bank And Trust Company

IDRSSD: 1458608
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
81
/ 100
StrongAs of 2023-Q4QoQ -10

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 #1458608 2023-Q4 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.58% of loans.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.04% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2023:
↓ -10 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↓ -33
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +5
85
Sub-score

Liquidity is strong: brokered 1.7%, loans/deposits 81.7%, cash 6.3% of assets.

Cash / Assets
6.26%
Loans / Deposits
81.72%
Brokered %
1.68%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.13%
No watch items at this period.

Capitalization

StrongQoQ +4
89
Sub-score

Capital position is strong: Tier 1 RBC 12.67%, CET1 12.67%, leverage 9.36%.

Tier 1 RBC
12.67%
CET1
12.67%
Leverage
9.36%
No watch items at this period.

Asset Quality

StableQoQ -33
67
Sub-score

Asset quality is stable: Adjusted NPL 2.04%, Texas Ratio 13.6%, NCO YTD 2.58%.

Adjusted NPL
2.04%
Govt-guarantees stripped
Texas Ratio
13.6%
NCO YTD
2.58%
30-89 PD
0.36%
Band 0.3% / 3.0%
90+ PD
0.35%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.04% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 2.58% of loans.

Reserves

Stable
67
Sub-score

Reserves are stable: ALLL 1.74% of loans, coverage 87.2%, true coverage 84.0%.

ALLL / Loans
1.74%
Coverage
87.2%
True Loss Coverage
84.0%
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 11:29:51 UTC