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Georgia Primary Bank

IDRSSD: 3646397
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2024-Q1QoQ -4

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

Quarterly Headline

2024-Q1

Bank #3646397 2024-Q1 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.26% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2023:
↓ -4 ptscomposite
  • Liquidity
    ↓ -13
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ 0

The five pillars

Liquidity

StableQoQ -13
69
Sub-score

Liquidity is stable: brokered 10.8%, loans/deposits 82.9%, cash 2.3% of assets.

Cash / Assets
2.26%
Loans / Deposits
82.91%
Brokered %
10.75%

Watch Items

  • infoCash / Assets below 3% — Cash 2.26% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.80%
No watch items at this period.

Capitalization

StableQoQ -3
79
Sub-score

Capital position is stable: Tier 1 RBC 11.26%, CET1 11.26%, leverage 10.56%.

Tier 1 RBC
11.26%
CET1
11.26%
Leverage
10.56%
No watch items at this period.

Asset Quality

StableQoQ -3
78
Sub-score

Asset quality is stable: Adjusted NPL 1.74%, Texas Ratio 11.4%, NCO YTD 0.00%.

Adjusted NPL
1.74%
Govt-guarantees stripped
Texas Ratio
11.4%
NCO YTD
0.00%
30-89 PD
0.88%
Band 0.3% / 3.0%
90+ PD
0.93%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ 0
43
Sub-score

Reserves are deteriorating: ALLL 1.15% of loans, coverage 66.9%, true coverage 66.9%.

ALLL / Loans
1.15%
Coverage
66.9%
True Loss Coverage
66.9%
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: 2026-05-15 11:17:54 UTC