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Community Bank And Trust West Georgia

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

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
65
/ 100
StableAs of 2023-Q4QoQ -27

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #761833 2023-Q4 Vital Signs Score: 65/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.16% (govt-guarantees stripped).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 47.0% (Adjusted NPL + Performing Mods denominator).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 49.5% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q3 2023:
↓ -27 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    ↓ -15
  • Asset Quality
    ↓ -63
  • Reserves
    — —

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 69.7%, cash 18.3% of assets.

Cash / Assets
18.32%
Loans / Deposits
69.66%
Brokered %
0.00%
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

WatchQoQ -15
58
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.47%, CET1 10.47%, leverage 7.63%.

Tier 1 RBC
10.47%
CET1
10.47%
Leverage
7.63%
No watch items at this period.

Asset Quality

RiskQoQ -63
37
Sub-score

Asset quality is weak: Adjusted NPL 4.16%, Texas Ratio 35.5%, NCO YTD 0.01%.

Adjusted NPL
4.16%
Govt-guarantees stripped
Texas Ratio
35.5%
NCO YTD
0.01%
30-89 PD
3.37%
Band 0.3% / 3.0%
90+ PD
1.38%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.16% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.38%.

Reserves

Watch
41
Sub-score

Reserves are deteriorating: ALLL 2.02% of loans, coverage 49.5%, true coverage 47.0%.

ALLL / Loans
2.02%
Coverage
49.5%
True Loss Coverage
47.0%

Watch Items

  • infoALLL / NPL below 50% — Coverage 49.5% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 47.0% (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%. 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: 2026-05-15 08:14:40 UTC