Liquidity
StableQoQ -2
78
Sub-score
Liquidity is stable: brokered 1.0%, loans/deposits 82.4%, cash 3.1% of assets.
- Cash / Assets
- 3.10%
- Loans / Deposits
- 82.37%
- Brokered %
- 1.02%
No watch items at this period.
Altamaha Bank And Trust Company
IDRSSD: 199436
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2025-Q3
Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
79
/ 100
StableAs of 2025-Q3QoQ +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-Q3
Bank #199436 2025-Q3 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).
Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Stable
Reserves:Watch
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q2 2025:
↑ +2 ptscomposite
- Liquidity↓ -2
- Securities— —
- Capitalization↑ +5
- Asset Quality↑ +6
- Reserves↑ +2
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 5.4% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 5.41%
SVB watch metric
No watch items at this period.
Capitalization
StrongQoQ +5
81
Sub-score
Capital position is strong: Tier 1 RBC 12.23%, CET1 12.23%, leverage 9.85%.
- Tier 1 RBC
- 12.23%
- CET1
- 12.23%
- Leverage
- 9.85%
No watch items at this period.
Asset Quality
StableQoQ +6
80
Sub-score
Asset quality is stable: Adjusted NPL 1.89%, Texas Ratio 12.9%, NCO YTD 0.79%.
- Adjusted NPL
- 1.89%
- Texas Ratio
- 12.9%
- NCO YTD
- 0.79%
- 30-89 PD
- 0.56%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
WatchQoQ +2
57
Sub-score
Reserves are deteriorating: ALLL 1.41% of loans, coverage 75.8%, true coverage 73.9%.
- ALLL / Loans
- 1.41%
- Coverage
- 75.8%
- True Loss Coverage
- 73.9%
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.tsfor 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 07:30:09 UTC