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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 — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2024-Q3QoQ +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-Q3

Bank #1458608 2024-Q3 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.93% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2024:
↑ +3 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↑ +31
  • Asset Quality
    ↓ -10
  • Reserves
    ↓ -18

The five pillars

Liquidity

StrongQoQ 0
81
Sub-score

Liquidity is strong: brokered 1.5%, loans/deposits 82.6%, cash 4.6% of assets.

Cash / Assets
4.65%
Loans / Deposits
82.62%
Brokered %
1.55%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.81%
No watch items at this period.

Capitalization

StableQoQ +31
71
Sub-score

Capital position is stable: Tier 1 RBC 11.64%, CET1 11.64%, leverage 8.78%.

Tier 1 RBC
11.64%
CET1
11.64%
Leverage
8.78%
No watch items at this period.

Asset Quality

StableQoQ -10
65
Sub-score

Asset quality is stable: Adjusted NPL 2.93%, Texas Ratio 20.0%, NCO YTD 0.90%.

Adjusted NPL
2.93%
Govt-guarantees stripped
Texas Ratio
20.0%
NCO YTD
0.90%
30-89 PD
0.54%
Band 0.3% / 3.0%
90+ PD
0.57%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.93% (govt-guarantees stripped).

Reserves

WatchQoQ -18
60
Sub-score

Reserves are deteriorating: ALLL 2.16% of loans, coverage 75.4%, true coverage 73.6%.

ALLL / Loans
2.16%
Coverage
75.4%
True Loss Coverage
73.6%
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: 2026-05-13 11:29:51 UTC