Liquidity
StrongQoQ +7
87
Sub-score
Liquidity is strong: brokered 8.3%, loans/deposits 79.1%, cash 8.7% of assets.
- Cash / Assets
- 8.71%
- Loans / Deposits
- 79.13%
- Brokered %
- 8.28%
No watch items at this period.
Georgia Primary Bank
IDRSSD: 3646397
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
78
/ 100
StableAs of 2024-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
2024-Q3
Bank #3646397 2024-Q3 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).
Liquidity:Strong
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Watch
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q2 2024:
↑ +4 ptscomposite
- Liquidity↑ +7
- Securities— —
- Capitalization↓ -3
- Asset Quality↑ +10
- Reserves↑ +7
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 1.8% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 1.78%
SVB watch metric
No watch items at this period.
Capitalization
StableQoQ -3
70
Sub-score
Capital position is stable: Tier 1 RBC 11.24%, CET1 11.24%, leverage 10.37%.
- Tier 1 RBC
- 11.24%
- CET1
- 11.24%
- Leverage
- 10.37%
No watch items at this period.
Asset Quality
StrongQoQ +10
83
Sub-score
Asset quality is strong: Adjusted NPL 1.65%, Texas Ratio 10.8%, NCO YTD -0.01%.
- Adjusted NPL
- 1.65%
- Texas Ratio
- 10.8%
- NCO YTD
- -0.01%
- 30-89 PD
- 0.13%
- 90+ PD
- 0.87%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
WatchQoQ +7
47
Sub-score
Reserves are deteriorating: ALLL 1.17% of loans, coverage 71.8%, true coverage 71.8%.
- ALLL / Loans
- 1.17%
- Coverage
- 71.8%
- True Loss Coverage
- 71.8%
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.tsfor 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