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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 — 2026-Q1

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

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2026-Q1QoQ +4

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 #922344 2026-Q1 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.95% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2025:
↑ +4 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↑ +5
  • Reserves
    ↑ +6

The five pillars

Liquidity

StableQoQ +1
74
Sub-score

Liquidity is stable: brokered 0.1%, loans/deposits 82.9%, cash 1.0% of assets.

Cash / Assets
0.95%
Loans / Deposits
82.87%
Brokered %
0.08%

Watch Items

  • riskCash / Assets below 3% — Cash 0.95% 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 +5
92
Sub-score

Capital position is strong: Tier 1 RBC 13.94%, CET1 13.94%, leverage 8.96%.

Tier 1 RBC
13.94%
CET1
13.94%
Leverage
8.96%
No watch items at this period.

Asset Quality

StrongQoQ +5
91
Sub-score

Asset quality is strong: Adjusted NPL 1.17%, Texas Ratio 8.2%, NCO YTD 0.03%.

Adjusted NPL
1.17%
Govt-guarantees stripped
Texas Ratio
8.2%
NCO YTD
0.03%
30-89 PD
0.73%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +6
50
Sub-score

Reserves are deteriorating: ALLL 0.98% of loans, coverage 84.4%, true coverage 84.4%.

ALLL / Loans
0.98%
Coverage
84.4%
True Loss Coverage
84.4%
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