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Community Bank Of Georgia

IDRSSD: 3213333
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
64
/ 100
StableAs of 2026-Q1QoQ -12

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

Quarterly Headline

2026-Q1

Bank #3213333 2026-Q1 Vital Signs Score: 64/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.33% of assets (threshold 3%).
  3. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 2.16%.

What changed this quarter

Compared to Q4 2025:
↓ -12 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -26
  • Reserves
    ↓ -34

The five pillars

Liquidity

StableQoQ -3
69
Sub-score

Liquidity is stable: brokered 10.7%, loans/deposits 78.6%, cash 1.3% of assets.

Cash / Assets
1.33%
Loans / Deposits
78.61%
Brokered %
10.67%

Watch Items

  • watchCash / Assets below 3% — Cash 1.33% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.55%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 11.34%.

Tier 1 RBC
—
CET1
0.00%
Leverage
11.34%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

WatchQoQ -26
56
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.84%, Texas Ratio 15.7%, NCO YTD 0.17%.

Adjusted NPL
2.84%
Govt-guarantees stripped
Texas Ratio
15.7%
NCO YTD
0.17%
30-89 PD
1.24%
Band 0.3% / 3.0%
90+ PD
2.16%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.84% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.16%.

Reserves

WatchQoQ -34
56
Sub-score

Reserves are deteriorating: ALLL 1.97% of loans, coverage 70.8%, true coverage 68.5%.

ALLL / Loans
1.97%
Coverage
70.8%
True Loss Coverage
68.5%
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: 2026-05-14 04:01:09 UTC