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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-Q2

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

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2024-Q2QoQ 0

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 #895448 2024-Q2 Vital Signs Score: 82/100 — 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

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.36% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2024:
↑ 0 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +6
  • Reserves
    ↓ -9

The five pillars

Liquidity

StableQoQ +2
79
Sub-score

Liquidity is stable: brokered 22.1%, loans/deposits 79.7%, cash 9.2% of assets.

Cash / Assets
9.22%
Loans / Deposits
79.68%
Brokered %
22.07%
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 16.05%, CET1 16.05%, leverage 11.73%.

Tier 1 RBC
16.05%
CET1
16.05%
Leverage
11.73%
No watch items at this period.

Asset Quality

StableQoQ +6
79
Sub-score

Asset quality is stable: Adjusted NPL 2.36%, Texas Ratio 11.5%, NCO YTD 0.00%.

Adjusted NPL
2.36%
Govt-guarantees stripped
Texas Ratio
11.5%
NCO YTD
0.00%
30-89 PD
0.40%
Band 0.3% / 3.0%
90+ PD
0.59%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.36% (govt-guarantees stripped).

Reserves

WatchQoQ -9
42
Sub-score

Reserves are deteriorating: ALLL 1.33% of loans, coverage 57.2%, true coverage 56.0%.

ALLL / Loans
1.33%
Coverage
57.2%
True Loss Coverage
56.0%
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