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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-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
67
/ 100
StableAs of 2024-Q2QoQ -3

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

Quarterly Headline

2024-Q2

Bank #761833 2024-Q2 Vital Signs Score: 67/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 7.18% (govt-guarantees stripped).
  2. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.65%.
  3. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.26% of loans.

What changed this quarter

Compared to Q1 2024:
↓ -3 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -12
  • Asset Quality
    ↓ -6
  • Reserves
    ↑ +16

The five pillars

Liquidity

StrongQoQ -2
95
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 80.6%, cash 12.1% of assets.

Cash / Assets
12.12%
Loans / Deposits
80.55%
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

StableQoQ -12
73
Sub-score

Capital position is stable: Tier 1 RBC 11.85%, CET1 11.85%, leverage 8.80%.

Tier 1 RBC
11.85%
CET1
11.85%
Leverage
8.80%
No watch items at this period.

Asset Quality

RiskQoQ -6
20
Sub-score

Asset quality is weak: Adjusted NPL 7.18%, Texas Ratio 41.8%, NCO YTD 1.26%.

Adjusted NPL
7.18%
Govt-guarantees stripped
Texas Ratio
41.8%
NCO YTD
1.26%
30-89 PD
4.92%
Band 0.3% / 3.0%
90+ PD
1.65%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 7.18% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.65%.
  • infoNet charge-offs elevated — NCO YTD 1.26% of loans.

Reserves

StableQoQ +16
64
Sub-score

Reserves are stable: ALLL 5.49% of loans, coverage 80.9%, true coverage 79.1%.

ALLL / Loans
5.49%
Coverage
80.9%
True Loss Coverage
79.1%
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