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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 — 2025-Q2

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

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2025-Q2QoQ 0

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 #922344 2025-Q2 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.82% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2025:
↓ 0 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -10
  • Reserves
    ↑ +8

The five pillars

Liquidity

StableQoQ +5
77
Sub-score

Liquidity is stable: brokered 0.5%, loans/deposits 78.3%, cash 1.8% of assets.

Cash / Assets
1.82%
Loans / Deposits
78.28%
Brokered %
0.47%

Watch Items

  • watchCash / Assets below 3% — Cash 1.82% 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

StrongQoQ +1
100
Sub-score

Capital position is strong: Tier 1 RBC 16.17%, CET1 16.17%, leverage 10.11%.

Tier 1 RBC
16.17%
CET1
16.17%
Leverage
10.11%
No watch items at this period.

Asset Quality

StableQoQ -10
76
Sub-score

Asset quality is stable: Adjusted NPL 1.35%, Texas Ratio 8.2%, NCO YTD -0.42%.

Adjusted NPL
1.35%
Govt-guarantees stripped
Texas Ratio
8.2%
NCO YTD
-0.42%
30-89 PD
3.88%
Band 0.3% / 3.0%
90+ PD
0.07%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +8
47
Sub-score

Reserves are deteriorating: ALLL 1.05% of loans, coverage 78.2%, true coverage 78.2%.

ALLL / Loans
1.05%
Coverage
78.2%
True Loss Coverage
78.2%
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