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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-Q2

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

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2024-Q2QoQ -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-Q2

Bank #3646397 2024-Q2 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.11%.

What changed this quarter

Compared to Q1 2024:
↓ -1 ptscomposite
  • Liquidity
    ↑ +11
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↓ -5
  • Reserves
    ↓ -3

The five pillars

Liquidity

StrongQoQ +11
80
Sub-score

Liquidity is strong: brokered 9.8%, loans/deposits 77.2%, cash 5.7% of assets.

Cash / Assets
5.68%
Loans / Deposits
77.21%
Brokered %
9.76%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.78%
No watch items at this period.

Capitalization

StableQoQ -5
74
Sub-score

Capital position is stable: Tier 1 RBC 11.57%, CET1 11.57%, leverage 10.35%.

Tier 1 RBC
11.57%
CET1
11.57%
Leverage
10.35%
No watch items at this period.

Asset Quality

StableQoQ -5
74
Sub-score

Asset quality is stable: Adjusted NPL 1.93%, Texas Ratio 12.4%, NCO YTD 0.00%.

Adjusted NPL
1.93%
Govt-guarantees stripped
Texas Ratio
12.4%
NCO YTD
0.00%
30-89 PD
1.08%
Band 0.3% / 3.0%
90+ PD
1.11%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.11%.

Reserves

RiskQoQ -3
40
Sub-score

Reserves are weak: ALLL 1.17% of loans, coverage 61.5%, true coverage 61.5%.

ALLL / Loans
1.17%
Coverage
61.5%
True Loss Coverage
61.5%
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: 2026-05-15 11:17:54 UTC