Liquidity
StrongQoQ +1
88
Sub-score
Liquidity is strong: brokered 2.7%, loans/deposits 35.2%, cash 5.3% of assets.
- Cash / Assets
- 5.30%
- Loans / Deposits
- 35.24%
- Brokered %
- 2.73%
No watch items at this period.
Peoples Bank Of Graceville
IDRSSD: 717232
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2023-Q4
Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
78
/ 100
StableAs of 2023-Q4QoQ -3
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Quarterly Headline
2023-Q4
Bank #717232 2023-Q4 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (risk).
Liquidity:Strong
Securities:Risk
Capitalization:Strong
Asset Quality:Strong
Reserves:Watch
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q3 2023:
↓ -3 ptscomposite
- Liquidity↑ +1
- Securities↑ +4
- Capitalization— —
- Asset Quality— —
- Reserves— —
The five pillars
Securities
RiskQoQ +4
17
Sub-score
Securities profile is weak: securities 44.8% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 44.79%
SVB watch metric
No watch items at this period.
Capitalization
Strong
100
Sub-score
Capital position is strong: Tier 1 RBC 29.59%, CET1 29.59%, leverage 10.36%.
- Tier 1 RBC
- 29.59%
- CET1
- 29.59%
- Leverage
- 10.36%
No watch items at this period.
Asset Quality
Strong
100
Sub-score
Asset quality is strong: Adjusted NPL 0.00%, Texas Ratio 0.0%, NCO YTD -0.09%.
- Adjusted NPL
- 0.00%
- Texas Ratio
- 0.0%
- NCO YTD
- -0.09%
- 30-89 PD
- 0.16%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
Watch
55
Sub-score
Reserves are deteriorating: ALLL 0.98% of loans, true coverage 73.3%.
- ALLL / Loans
- 0.98%
- Coverage
- —
- True Loss Coverage
- 73.3%
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.tsfor 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: 2026-05-14 08:31:58 UTC