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Milledgeville State Bank

IDRSSD: 895448
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2025-Q3QoQ -2

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q3

Bank #895448 2025-Q3 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.18% of loans.
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.72% of loans.

What changed this quarter

Compared to Q2 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ -6
  • Reserves
    ↑ +9

The five pillars

Liquidity

StableQoQ -3
71
Sub-score

Liquidity is stable: brokered 21.7%, loans/deposits 79.4%, cash 5.7% of assets.

Cash / Assets
5.72%
Loans / Deposits
79.45%
Brokered %
21.74%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ -3
97
Sub-score

Capital position is strong: Tier 1 RBC 14.49%, CET1 14.49%, leverage 11.16%.

Tier 1 RBC
14.49%
CET1
14.49%
Leverage
11.16%
No watch items at this period.

Asset Quality

StrongQoQ -6
91
Sub-score

Asset quality is strong: Adjusted NPL 0.30%, Texas Ratio 1.7%, NCO YTD 1.18%.

Adjusted NPL
0.30%
Govt-guarantees stripped
Texas Ratio
1.7%
NCO YTD
1.18%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.18% of loans.

Reserves

StableQoQ +9
74
Sub-score

Reserves are stable: ALLL 0.72% of loans, coverage 244.6%, true coverage 244.6%.

ALLL / Loans
0.72%
Coverage
244.6%
True Loss Coverage
244.6%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.72% of loans.

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