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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
58
/ 100
WatchAs of 2025-Q3QoQ +13

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

Quarterly Headline

2025-Q3

Bank #761833 2025-Q3 Vital Signs Score: 58/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 21.9% (Adjusted NPL + Performing Mods denominator).
  2. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 8.64% (govt-guarantees stripped).
  3. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 6.66% of loans.

What changed this quarter

Compared to Q2 2025:
↑ +13 ptscomposite
  • Liquidity
    ↑ +27
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↑ +27
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +27
99
Sub-score

Liquidity is strong: brokered 1.9%, loans/deposits 67.1%, cash 14.6% of assets.

Cash / Assets
14.60%
Loans / Deposits
67.08%
Brokered %
1.95%
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 +3
48
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.30%, CET1 10.30%, leverage 6.69%.

Tier 1 RBC
10.30%
CET1
10.30%
Leverage
6.69%
No watch items at this period.

Asset Quality

RiskQoQ +27
27
Sub-score

Asset quality is weak: Adjusted NPL 8.64%, Texas Ratio 61.5%, NCO YTD 6.66%.

Adjusted NPL
8.64%
Govt-guarantees stripped
Texas Ratio
61.5%
NCO YTD
6.66%
30-89 PD
2.55%
Band 0.3% / 3.0%
90+ PD
0.04%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 8.64% (govt-guarantees stripped).
  • infoTexas Ratio above 50% — Texas Ratio 61.5% (industry watch band 50% / risk band 100%).
  • riskNet charge-offs elevated — NCO YTD 6.66% of loans.

Reserves

Risk
33
Sub-score

Reserves are weak: ALLL 2.99% of loans, coverage 35.7%, true coverage 21.9%.

ALLL / Loans
2.99%
Coverage
35.7%
True Loss Coverage
21.9%

Watch Items

  • watchALLL / NPL below 50% — Coverage 35.7% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 21.9% (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