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Peoples Bank And Trust

IDRSSD: 922344
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2024-Q1QoQ -3

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

Quarterly Headline

2024-Q1

Bank #922344 2024-Q1 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.20% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2023:
↓ -3 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -6
  • Reserves
    ↓ -13

The five pillars

Liquidity

StableQoQ 0
69
Sub-score

Liquidity is stable: brokered 6.9%, loans/deposits 83.8%, cash 1.2% of assets.

Cash / Assets
1.20%
Loans / Deposits
83.77%
Brokered %
6.95%

Watch Items

  • watchCash / Assets below 3% — Cash 1.20% of assets (threshold 3%).

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

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 17.53%, CET1 17.53%, leverage 10.52%.

Tier 1 RBC
17.53%
CET1
17.53%
Leverage
10.52%
No watch items at this period.

Asset Quality

StrongQoQ -6
94
Sub-score

Asset quality is strong: Adjusted NPL 0.76%, Texas Ratio 4.4%, NCO YTD 0.01%.

Adjusted NPL
0.76%
Govt-guarantees stripped
Texas Ratio
4.4%
NCO YTD
0.01%
30-89 PD
0.90%
Band 0.3% / 3.0%
90+ PD
0.11%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -13
68
Sub-score

Reserves are stable: ALLL 1.00% of loans, coverage 132.5%, true coverage 132.5%.

ALLL / Loans
1.00%
Coverage
132.5%
True Loss Coverage
132.5%
No watch items at this period.

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: 2026-05-12 19:39:29 UTC