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Peoples Bank Of Graceville

IDRSSD: 717232
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 4 alerts active.

Summary

RSSD 717232 held $118.0M in total assets as of 2026-03-31 (+4.3% quarter-over-quarter). Total loans stood at $40.9M (+1.8% QoQ) and total deposits at $109.2M (+4.8% QoQ).

Overall position is adequate — the composite Health Score is 62/100 (Adequate). Tier 1 / RWA stands at 29.39%, in the top quartile of peers. Asset quality (NPL ratio) sits in the below median of peers.

4 Quarterly Anomaly Alerts fired this quarter, including 1 critical-severity row. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
62/100
Adequate
Active Alerts
4
1 critical, 3 warning
Total Assets
$118.0M
+4.3% QoQ
Total Loans
$40.9M
+1.8% QoQ
Total Deposits
$109.2M
+4.8% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
29.39%
85th pctile · n=213↑ better
-23 bp QoQ
CET1 / RWA
29.39%
94th pctile · n=500↑ better
-24 bp QoQ
Total RBC / RWA
30.39%
85th pctile · n=213↑ better
-26 bp QoQ
Tier 1 Leverage Ratio
29.39%
94th pctile · n=500↑ better
-24 bp QoQ

Liquidity

Cash / Assets
6.25%
47th pctile · n=500↑ better
+360 bp QoQ
Loans / Deposits
37.44%
8th pctile · n=493↓ better
-109 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.35%
51th pctile · n=500↓ better
NPA / Assets
0.12%
40th pctile · n=500↓ better
Texas Ratio (regulatory)
1.15%
42th pctile · n=500↓ better
Net Charge-Offs / Avg Loans
0.03%
76th pctile · n=500↓ better
+4 bp QoQ
ALLL Coverage of NPL
260.69%
69th pctile · n=500↑ better

Earnings

Net Interest Margin
2.44%
4th pctile · n=500↑ better
-11 bp QoQ
Return on Assets
0.97%
40th pctile · n=500↑ better
-9 bp QoQ
Return on Equity
13.97%
73th pctile · n=500↑ better
-181 bp QoQ
Efficiency Ratio
63.96%
43th pctile · n=500↓ better
+187 bp QoQ
Pre-tax NOI / Avg Assets
0.97%
33th pctile · n=500↑ better
-9 bp QoQ

Funding

Brokered / Deposits
1.83%
75th pctile · n=493↓ better
-9 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
0.00%
31th pctile · n=500↓ better

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
58.08%
97th pctile · n=500↑ better
-273 bp QoQ
AFS Securities / Assets
16.24%
47th pctile · n=500↑ better
-52 bp QoQ
HTM Securities / Assets
41.84%
99th pctile · n=500↑ better
-221 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-14 08:32:23 UTC