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Community Bank And Trust West Georgia

IDRSSD: 761833
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Vital Signs Report

5-pillar quarterly review (Liquidity, Securities, Capitalization, Asset Quality, Reserves) for 2025-Q4. Composite Vital Signs Score and ranked Watch Items.

Synthesis

Vital Signs Score
47
/ 100
WatchAs of 2025-Q4QoQ -11

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 #761833 2025-Q4 Vital Signs Score: 47/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 16.1% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 24.2% (regulatory soft-warning level 50%).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 10.41% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↓ -11 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ -20
  • Asset Quality
    ↓ -23
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ 0
99
Sub-score

Liquidity is strong: brokered 1.9%, loans/deposits 69.4%, cash 11.1% of assets.

Cash / Assets
11.13%
Loans / Deposits
69.42%
Brokered %
1.86%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

RiskQoQ -20
27
Sub-score

Capital position is weak: Tier 1 RBC 8.41%, CET1 8.41%, leverage 6.64%.

Tier 1 RBC
8.41%
CET1
8.41%
Leverage
6.64%
No watch items at this period.

Asset Quality

RiskQoQ -23
3
Sub-score

Asset quality is weak: Adjusted NPL 10.41%, Texas Ratio 83.5%, NCO YTD 7.74%.

Adjusted NPL
10.41%
Govt-guarantees stripped
Texas Ratio
83.5%
NCO YTD
7.74%
30-89 PD
3.10%
Band 0.3% / 3.0%
90+ PD
2.15%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 10.41% (govt-guarantees stripped).
  • watchTexas Ratio above 50% — Texas Ratio 83.5% (industry watch band 50% / risk band 100%).
  • watch90+ days past due elevated — 90+ PD 2.15%.
  • riskNet charge-offs elevated — NCO YTD 7.74% of loans.

Reserves

Risk
33
Sub-score

Reserves are weak: ALLL 2.46% of loans, coverage 24.2%, true coverage 16.1%.

ALLL / Loans
2.46%
Coverage
24.2%
True Loss Coverage
16.1%

Watch Items

  • riskALLL / NPL below 50% — Coverage 24.2% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 16.1% (Adjusted NPL + Performing Mods denominator).

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%. Pillars with no available metrics are dropped from the denominator (renormalised). See functions/src/vitalSignsScore.ts for exact formula and sub-score band anchors.
Pillar status
Strong ≥ 80, Stable ≥ 60, Watch ≥ 40, Risk < 40. Bands are scoring buckets, NOT regulatory thresholds.
Watch Items
Per-pillar rule trips with severity (Risk / Watch / Info) assigned by how far the metric breaches its threshold. Top-3 panel ranks across pillars: severity dominates, magnitude breaks ties.
Adjusted NPL
Noncurrent loans minus government-guaranteed nonaccrual (sourced from FFIEC Schedule RC-N Memorandum item 2). Strips out exposure with implicit US government backing, the same formula used by the Loan Restructuring Watch builder.
True Loss Coverage Ratio
ALLL ÷ (Adjusted NPL + Performing Mods). Surfaces under-reservation that conventional ALLL/NPL hides when banks aggressively modify rather than charge off.
Past-due 30-89 / 90+ PD
Bank-wide totals from FFIEC Schedule RC-N (30-89 days past due and 90+ days past due still accruing) divided by total loans and leases (net of unearned income). Score bands: 30-89 PD Good 0.3% / Bad 3.0%; 90+ PD Good 0.1% / Bad 2.0%.
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, Watch Item rules, and per-quarter URL surface are Visbanking's own work.

Generated: 2026-05-15 08:14:40 UTC