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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 — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2026-Q1QoQ -2

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

Quarterly Headline

2026-Q1

Bank #243955 2026-Q1 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 14.8% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 14.8% (Adjusted NPL + Performing Mods denominator).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 10.99% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2025:
↓ -2 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -14
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +6
91
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 87.1%, cash 15.8% of assets.

Cash / Assets
15.79%
Loans / Deposits
87.08%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.95%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 18.38%, CET1 18.38%, leverage 16.63%.

Tier 1 RBC
18.38%
CET1
18.38%
Leverage
16.63%
No watch items at this period.

Asset Quality

RiskQoQ -14
31
Sub-score

Asset quality is weak: Adjusted NPL 10.99%, Texas Ratio 41.7%, NCO YTD 0.05%.

Adjusted NPL
10.99%
Govt-guarantees stripped
Texas Ratio
41.7%
NCO YTD
0.05%
30-89 PD
5.04%
Band 0.3% / 3.0%
90+ PD
1.58%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 10.99% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.58%.

Reserves

Risk
33
Sub-score

Reserves are weak: ALLL 1.60% of loans, coverage 14.8%, true coverage 14.8%.

ALLL / Loans
1.60%
Coverage
14.8%
True Loss Coverage
14.8%

Watch Items

  • riskALLL / NPL below 50% — Coverage 14.8% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 14.8% (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