Liquidity
StableQoQ 0
79
Sub-score
Liquidity is stable: brokered 21.8%, loans/deposits 76.9%, cash 8.7% of assets.
- Cash / Assets
- 8.68%
- Loans / Deposits
- 76.88%
- Brokered %
- 21.82%
No watch items at this period.
Milledgeville State Bank
IDRSSD: 895448
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
86
/ 100
StrongAs 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 #895448 2024-Q3 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).
Liquidity:Stable
Securities:Strong
Capitalization:Strong
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↑ 0
- Securities— —
- Capitalization— —
- Asset Quality↑ +10
- Reserves↑ +11
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 0.1% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 0.13%
SVB watch metric
No watch items at this period.
Capitalization
Strong
100
Sub-score
Capital position is strong: Tier 1 RBC 15.21%, CET1 15.21%, leverage 11.74%.
- Tier 1 RBC
- 15.21%
- CET1
- 15.21%
- Leverage
- 11.74%
No watch items at this period.
Asset Quality
StrongQoQ +10
89
Sub-score
Asset quality is strong: Adjusted NPL 1.76%, Texas Ratio 8.5%, NCO YTD 0.09%.
- Adjusted NPL
- 1.76%
- Texas Ratio
- 8.5%
- NCO YTD
- 0.09%
- 30-89 PD
- 0.38%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
WatchQoQ +11
53
Sub-score
Reserves are deteriorating: ALLL 1.30% of loans, coverage 75.1%, true coverage 73.0%.
- ALLL / Loans
- 1.30%
- Coverage
- 75.1%
- True Loss Coverage
- 73.0%
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.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 01:30:46 UTC