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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-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
60
/ 100
WatchAs of 2024-Q3QoQ -7

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

Quarterly Headline

2024-Q3

Bank #761833 2024-Q3 Vital Signs Score: 60/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 8.60% (govt-guarantees stripped).
  2. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 2.88%.
  3. info
    Texas Ratio above 50%
    Asset Quality — Texas Ratio 53.6% (industry watch band 50% / risk band 100%).

What changed this quarter

Compared to Q2 2024:
↓ -7 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↓ -16
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -7

The five pillars

Liquidity

StrongQoQ -5
90
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 84.8%, cash 8.7% of assets.

Cash / Assets
8.70%
Loans / Deposits
84.77%
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 -16
57
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.58%, CET1 10.58%, leverage 8.23%.

Tier 1 RBC
10.58%
CET1
10.58%
Leverage
8.23%
No watch items at this period.

Asset Quality

RiskQoQ -3
17
Sub-score

Asset quality is weak: Adjusted NPL 8.60%, Texas Ratio 53.6%, NCO YTD 1.03%.

Adjusted NPL
8.60%
Govt-guarantees stripped
Texas Ratio
53.6%
NCO YTD
1.03%
30-89 PD
11.71%
Band 0.3% / 3.0%
90+ PD
2.88%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 8.60% (govt-guarantees stripped).
  • infoTexas Ratio above 50% — Texas Ratio 53.6% (industry watch band 50% / risk band 100%).
  • risk90+ days past due elevated — 90+ PD 2.88%.
  • infoNet charge-offs elevated — NCO YTD 1.03% of loans.

Reserves

WatchQoQ -7
57
Sub-score

Reserves are deteriorating: ALLL 5.71% of loans, coverage 70.5%, true coverage 69.3%.

ALLL / Loans
5.71%
Coverage
70.5%
True Loss Coverage
69.3%
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