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Peoples Bank Of Graceville

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

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2025-Q4QoQ -2

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

Quarterly Headline

2025-Q4

Bank #717232 2025-Q4 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.65% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -6
  • Securities
    ↓ -7
  • Capitalization
    — —
  • Asset Quality
    ↓ -1
  • Reserves
    ↑ +4

The five pillars

Liquidity

StrongQoQ -6
82
Sub-score

Liquidity is strong: brokered 1.9%, loans/deposits 38.5%, cash 2.7% of assets.

Cash / Assets
2.65%
Loans / Deposits
38.53%
Brokered %
1.92%

Watch Items

  • infoCash / Assets below 3% — Cash 2.65% of assets (threshold 3%).

Securities

RiskQoQ -7
20
Sub-score

Securities profile is weak: securities 44.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
44.04%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 29.63%, CET1 29.63%, leverage 10.09%.

Tier 1 RBC
29.63%
CET1
29.63%
Leverage
10.09%
No watch items at this period.

Asset Quality

StrongQoQ -1
89
Sub-score

Asset quality is strong: Adjusted NPL 0.00%, Texas Ratio 0.0%, NCO YTD -0.01%.

Adjusted NPL
0.00%
Govt-guarantees stripped
Texas Ratio
0.0%
NCO YTD
-0.01%
30-89 PD
2.06%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +4
69
Sub-score

Reserves are stable: ALLL 0.94% of loans, true coverage 96.0%.

ALLL / Loans
0.94%
Coverage
—
True Loss Coverage
96.0%
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: 2026-05-14 08:31:58 UTC