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Georgia Banking Company

IDRSSD: 3016347
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
84
/ 100
StrongAs of 2025-Q3QoQ +4

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 #3016347 2025-Q3 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 101.5% (threshold 100%).

What changed this quarter

Compared to Q2 2025:
↑ +4 ptscomposite
  • Liquidity
    ↑ +14
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↓ 0
  • Reserves
    ↓ -1

The five pillars

Liquidity

StableQoQ +14
75
Sub-score

Liquidity is stable: brokered 9.8%, loans/deposits 101.5%, cash 8.7% of assets.

Cash / Assets
8.74%
Loans / Deposits
101.48%
Brokered %
9.79%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 101.5% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.32%
No watch items at this period.

Capitalization

StableQoQ +5
65
Sub-score

Capital position is stable: Tier 1 RBC 10.91%, CET1 10.91%, leverage 9.30%.

Tier 1 RBC
10.91%
CET1
10.91%
Leverage
9.30%
No watch items at this period.

Asset Quality

StrongQoQ 0
99
Sub-score

Asset quality is strong: Adjusted NPL 0.57%, Texas Ratio 4.8%, NCO YTD 0.14%.

Adjusted NPL
0.57%
Govt-guarantees stripped
Texas Ratio
4.8%
NCO YTD
0.14%
30-89 PD
0.12%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -1
86
Sub-score

Reserves are strong: ALLL 1.11% of loans, coverage 196.4%, true coverage 196.4%.

ALLL / Loans
1.11%
Coverage
196.4%
True Loss Coverage
196.4%
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