Georgia banks under financial pressure

You don’t get a yellow rose for being on this list. A stat known as the “Texas ratio” has gained popularity among experts looking for ways to rank banks by their health — or the lack of it. Atlanta-based FIG Partners, a bank research firm, used this formula with some modifications to indicate the riskiness of local banks this year. Executives want to avoid a score of 100, which indicates a bank’s problem loans exceed its capital and reserves — the money available to absorb losses. The higher the number, the larger the potential problem, according to some experts.

Note: List does not include three banks that already have been acquired or failed.

Source: FIG Partners