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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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
48
/ 100
WatchAs of 2025-Q1QoQ -51

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

Quarterly Headline

2025-Q1

Bank #761833 2025-Q1 Vital Signs Score: 48/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 13.36% (govt-guarantees stripped).
  2. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.73% of loans.
  3. watch
    Texas Ratio above 50%
    Asset Quality — Texas Ratio 98.9% (industry watch band 50% / risk band 100%).

What changed this quarter

Compared to Q4 2024:
↓ -51 ptscomposite
  • Liquidity
    ↓ -21
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    — —
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -21
78
Sub-score

Liquidity is stable: brokered 1.5%, loans/deposits 89.0%, cash 12.9% of assets.

Cash / Assets
12.89%
Loans / Deposits
89.04%
Brokered %
1.49%
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

Watch
43
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.39%, CET1 9.39%, leverage 7.88%.

Tier 1 RBC
9.39%
CET1
9.39%
Leverage
7.88%
No watch items at this period.

Asset Quality

Risk
8
Sub-score

Asset quality is weak: Adjusted NPL 13.36%, Texas Ratio 98.9%, NCO YTD 2.73%.

Adjusted NPL
13.36%
Govt-guarantees stripped
Texas Ratio
98.9%
NCO YTD
2.73%
30-89 PD
5.65%
Band 0.3% / 3.0%
90+ PD
1.07%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 13.36% (govt-guarantees stripped).
  • watchTexas Ratio above 50% — Texas Ratio 98.9% (industry watch band 50% / risk band 100%).
  • info90+ days past due elevated — 90+ PD 1.07%.
  • riskNet charge-offs elevated — NCO YTD 2.73% of loans.

Reserves

Risk
34
Sub-score

Reserves are weak: ALLL 3.96% of loans, coverage 30.8%, true coverage 30.6%.

ALLL / Loans
3.96%
Coverage
30.8%
True Loss Coverage
30.6%

Watch Items

  • watchALLL / NPL below 50% — Coverage 30.8% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 30.6% (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