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Georgia Banking Company

IDRSSD: 3016347
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2024-Q2QoQ -11

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

Quarterly Headline

2024-Q2

Bank #3016347 2024-Q2 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.40% of loans.

What changed this quarter

Compared to Q1 2024:
↓ -11 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↓ -14
  • Asset Quality
    ↓ -17
  • Reserves
    ↓ -25

The five pillars

Liquidity

StableQoQ +3
64
Sub-score

Liquidity is stable: brokered 18.7%, loans/deposits 97.6%, cash 5.4% of assets.

Cash / Assets
5.45%
Loans / Deposits
97.63%
Brokered %
18.72%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.48%
No watch items at this period.

Capitalization

WatchQoQ -14
54
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.08%, CET1 10.08%, leverage 8.95%.

Tier 1 RBC
10.08%
CET1
10.08%
Leverage
8.95%
No watch items at this period.

Asset Quality

StrongQoQ -17
83
Sub-score

Asset quality is strong: Adjusted NPL 1.15%, Texas Ratio 9.7%, NCO YTD 1.40%.

Adjusted NPL
1.15%
Govt-guarantees stripped
Texas Ratio
9.7%
NCO YTD
1.40%
30-89 PD
0.15%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.40% of loans.

Reserves

StableQoQ -25
69
Sub-score

Reserves are stable: ALLL 1.19% of loans, coverage 104.7%, true coverage 104.7%.

ALLL / Loans
1.19%
Coverage
104.7%
True Loss Coverage
104.7%
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 02:34:50 UTC