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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-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
46
/ 100
WatchAs of 2025-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

2025-Q2

Bank #761833 2025-Q2 Vital Signs Score: 46/100 — 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
    Texas Ratio above 50%
    Asset Quality — Texas Ratio 110.3% (industry watch band 50% / risk band 100%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 20.3% (Adjusted NPL + Performing Mods denominator).
  3. risk
    ALLL / NPL below 50%
    Reserves — Coverage 20.7% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q1 2025:
↓ -3 ptscomposite
  • Liquidity
    ↓ -6
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -8
  • Reserves
    ↓ 0

The five pillars

Liquidity

StableQoQ -6
72
Sub-score

Liquidity is stable: brokered 0.6%, loans/deposits 99.1%, cash 4.2% of assets.

Cash / Assets
4.19%
Loans / Deposits
99.12%
Brokered %
0.61%
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 +2
45
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.59%, CET1 9.59%, leverage 7.81%.

Tier 1 RBC
9.59%
CET1
9.59%
Leverage
7.81%
No watch items at this period.

Asset Quality

RiskQoQ -8
0
Sub-score

Asset quality is weak: Adjusted NPL 11.63%, Texas Ratio 110.3%, NCO YTD 3.22%.

Adjusted NPL
11.63%
Govt-guarantees stripped
Texas Ratio
110.3%
NCO YTD
3.22%
30-89 PD
8.90%
Band 0.3% / 3.0%
90+ PD
2.34%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 11.63% (govt-guarantees stripped).
  • riskTexas Ratio above 50% — Texas Ratio 110.3% (industry watch band 50% / risk band 100%).
  • watch90+ days past due elevated — 90+ PD 2.34%.
  • riskNet charge-offs elevated — NCO YTD 3.22% of loans.

Reserves

RiskQoQ 0
33
Sub-score

Reserves are weak: ALLL 2.35% of loans, coverage 20.7%, true coverage 20.3%.

ALLL / Loans
2.35%
Coverage
20.7%
True Loss Coverage
20.3%

Watch Items

  • riskALLL / NPL below 50% — Coverage 20.7% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 20.3% (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