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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 — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2025-Q2QoQ +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-Q2

Bank #243955 2025-Q2 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 22.0% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 22.0% (Adjusted NPL + Performing Mods denominator).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.70% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↑ +2 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +5
  • Reserves
    ↑ +1

The five pillars

Liquidity

StrongQoQ +1
97
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 75.4%, cash 16.6% of assets.

Cash / Assets
16.55%
Loans / Deposits
75.38%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.41%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 23.10%, CET1 23.10%, leverage 15.63%.

Tier 1 RBC
23.10%
CET1
23.10%
Leverage
15.63%
No watch items at this period.

Asset Quality

StableQoQ +5
65
Sub-score

Asset quality is stable: Adjusted NPL 5.70%, Texas Ratio 20.0%, NCO YTD 0.00%.

Adjusted NPL
5.70%
Govt-guarantees stripped
Texas Ratio
20.0%
NCO YTD
0.00%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.70% (govt-guarantees stripped).

Reserves

RiskQoQ +1
25
Sub-score

Reserves are weak: ALLL 1.24% of loans, coverage 22.0%, true coverage 22.0%.

ALLL / Loans
1.24%
Coverage
22.0%
True Loss Coverage
22.0%

Watch Items

  • riskALLL / NPL below 50% — Coverage 22.0% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 22.0% (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