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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-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2024-Q3QoQ +1

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

Quarterly Headline

2024-Q3

Bank #3016347 2024-Q3 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 104.2% (threshold 100%).

What changed this quarter

Compared to Q2 2024:
↑ +1 ptscomposite
  • Liquidity
    ↓ -6
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↑ +13
  • Reserves
    ↑ +1

The five pillars

Liquidity

WatchQoQ -6
58
Sub-score

Liquidity is deteriorating: brokered 17.2%, loans/deposits 104.2%, cash 3.7% of assets.

Cash / Assets
3.74%
Loans / Deposits
104.19%
Brokered %
17.19%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 104.2% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.93%
No watch items at this period.

Capitalization

WatchQoQ -3
51
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.83%, CET1 9.83%, leverage 8.75%.

Tier 1 RBC
9.83%
CET1
9.83%
Leverage
8.75%
No watch items at this period.

Asset Quality

StrongQoQ +13
96
Sub-score

Asset quality is strong: Adjusted NPL 0.90%, Texas Ratio 8.3%, NCO YTD -0.01%.

Adjusted NPL
0.90%
Govt-guarantees stripped
Texas Ratio
8.3%
NCO YTD
-0.01%
30-89 PD
0.08%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +1
70
Sub-score

Reserves are stable: ALLL 1.10% of loans, coverage 124.0%, true coverage 124.0%.

ALLL / Loans
1.10%
Coverage
124.0%
True Loss Coverage
124.0%
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