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Peoples Bank And Trust Company

IDRSSD: 243955
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2023-Q4QoQ -30

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

Quarterly Headline

2023-Q4

Bank #243955 2023-Q4 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 16.5% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 16.5% (Adjusted NPL + Performing Mods denominator).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 6.83% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2023:
↓ -30 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -65
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -7
93
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 84.5%, cash 21.1% of assets.

Cash / Assets
21.05%
Loans / Deposits
84.54%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.41%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 24.23%, CET1 24.23%, leverage 16.15%.

Tier 1 RBC
24.23%
CET1
24.23%
Leverage
16.15%
No watch items at this period.

Asset Quality

RiskQoQ -65
35
Sub-score

Asset quality is weak: Adjusted NPL 6.83%, Texas Ratio 25.7%, NCO YTD 5.10%.

Adjusted NPL
6.83%
Govt-guarantees stripped
Texas Ratio
25.7%
NCO YTD
5.10%
30-89 PD
0.37%
Band 0.3% / 3.0%
90+ PD
1.48%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 6.83% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.48%.
  • riskNet charge-offs elevated — NCO YTD 5.10% of loans.

Reserves

Risk
21
Sub-score

Reserves are weak: ALLL 1.12% of loans, coverage 16.5%, true coverage 16.5%.

ALLL / Loans
1.12%
Coverage
16.5%
True Loss Coverage
16.5%

Watch Items

  • riskALLL / NPL below 50% — Coverage 16.5% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 16.5% (Adjusted NPL + Performing Mods denominator).

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: 2026-05-13 01:36:58 UTC