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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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2025-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

2025-Q1

Bank #1458608 2025-Q1 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.50% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2024:
↑ +2 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↑ +13
  • Reserves
    ↓ -6

The five pillars

Liquidity

StrongQoQ -1
84
Sub-score

Liquidity is strong: brokered 1.5%, loans/deposits 80.4%, cash 5.7% of assets.

Cash / Assets
5.65%
Loans / Deposits
80.41%
Brokered %
1.49%
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
1.64%
No watch items at this period.

Capitalization

StableQoQ -2
64
Sub-score

Capital position is stable: Tier 1 RBC 11.13%, CET1 11.13%, leverage 8.41%.

Tier 1 RBC
11.13%
CET1
11.13%
Leverage
8.41%
No watch items at this period.

Asset Quality

StableQoQ +13
77
Sub-score

Asset quality is stable: Adjusted NPL 2.50%, Texas Ratio 17.7%, NCO YTD 0.29%.

Adjusted NPL
2.50%
Govt-guarantees stripped
Texas Ratio
17.7%
NCO YTD
0.29%
30-89 PD
0.44%
Band 0.3% / 3.0%
90+ PD
0.31%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.50% (govt-guarantees stripped).

Reserves

StableQoQ -6
65
Sub-score

Reserves are stable: ALLL 2.03% of loans, coverage 82.7%, true coverage 80.9%.

ALLL / Loans
2.03%
Coverage
82.7%
True Loss Coverage
80.9%
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