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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2025-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

2025-Q4

Bank #1458608 2025-Q4 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

  1. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.59% of loans.

What changed this quarter

Compared to Q3 2025:
↑ +3 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↓ -1
  • Reserves
    ↑ +4

The five pillars

Liquidity

StrongQoQ +6
86
Sub-score

Liquidity is strong: brokered 2.0%, loans/deposits 80.4%, cash 6.7% of assets.

Cash / Assets
6.73%
Loans / Deposits
80.44%
Brokered %
2.04%
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
1.61%
No watch items at this period.

Capitalization

StableQoQ +4
77
Sub-score

Capital position is stable: Tier 1 RBC 12.16%, CET1 12.16%, leverage 8.97%.

Tier 1 RBC
12.16%
CET1
12.16%
Leverage
8.97%
No watch items at this period.

Asset Quality

StableQoQ -1
78
Sub-score

Asset quality is stable: Adjusted NPL 1.38%, Texas Ratio 9.5%, NCO YTD 1.59%.

Adjusted NPL
1.38%
Govt-guarantees stripped
Texas Ratio
9.5%
NCO YTD
1.59%
30-89 PD
0.39%
Band 0.3% / 3.0%
90+ PD
0.14%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 1.59% of loans.

Reserves

StrongQoQ +4
85
Sub-score

Reserves are strong: ALLL 1.82% of loans, coverage 134.1%, true coverage 128.3%.

ALLL / Loans
1.82%
Coverage
134.1%
True Loss Coverage
128.3%
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: 2026-05-13 11:29:51 UTC