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Milledgeville State Bank

IDRSSD: 895448
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
81
/ 100
StrongAs of 2024-Q1QoQ -10

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 #895448 2024-Q1 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q4 2023:
↓ -10 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -20
  • Reserves
    ↓ -39

The five pillars

Liquidity

StableQoQ +3
77
Sub-score

Liquidity is stable: brokered 22.0%, loans/deposits 80.7%, cash 8.8% of assets.

Cash / Assets
8.76%
Loans / Deposits
80.68%
Brokered %
22.04%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.13%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 15.40%, CET1 15.40%, leverage 11.54%.

Tier 1 RBC
15.40%
CET1
15.40%
Leverage
11.54%
No watch items at this period.

Asset Quality

StableQoQ -20
73
Sub-score

Asset quality is stable: Adjusted NPL 1.92%, Texas Ratio 9.5%, NCO YTD 0.00%.

Adjusted NPL
1.92%
Govt-guarantees stripped
Texas Ratio
9.5%
NCO YTD
0.00%
30-89 PD
2.66%
Band 0.3% / 3.0%
90+ PD
0.15%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -39
51
Sub-score

Reserves are deteriorating: ALLL 1.34% of loans, coverage 70.6%, true coverage 68.8%.

ALLL / Loans
1.34%
Coverage
70.6%
True Loss Coverage
68.8%
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.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 01:30:46 UTC