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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 — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
69
/ 100
StableAs of 2024-Q1QoQ +4

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

Quarterly Headline

2024-Q1

Bank #761833 2024-Q1 Vital Signs Score: 69/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 8.93% (govt-guarantees stripped).
  2. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.02% of loans.
  3. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.05%.

What changed this quarter

Compared to Q4 2023:
↑ +4 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↑ +27
  • Asset Quality
    ↓ -11
  • Reserves
    ↑ +7

The five pillars

Liquidity

StrongQoQ -3
97
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 76.1%, cash 15.1% of assets.

Cash / Assets
15.13%
Loans / Deposits
76.14%
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

StrongQoQ +27
85
Sub-score

Capital position is strong: Tier 1 RBC 11.99%, CET1 11.99%, leverage 9.84%.

Tier 1 RBC
11.99%
CET1
11.99%
Leverage
9.84%
No watch items at this period.

Asset Quality

RiskQoQ -11
26
Sub-score

Asset quality is weak: Adjusted NPL 8.93%, Texas Ratio 48.9%, NCO YTD 2.02%.

Adjusted NPL
8.93%
Govt-guarantees stripped
Texas Ratio
48.9%
NCO YTD
2.02%
30-89 PD
1.59%
Band 0.3% / 3.0%
90+ PD
1.05%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 8.93% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.05%.
  • watchNet charge-offs elevated — NCO YTD 2.02% of loans.

Reserves

WatchQoQ +7
48
Sub-score

Reserves are deteriorating: ALLL 4.94% of loans, coverage 58.3%, true coverage 57.0%.

ALLL / Loans
4.94%
Coverage
58.3%
True Loss Coverage
57.0%
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: 2026-05-15 08:14:40 UTC