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Peoples Bank Of Greensboro

IDRSSD: 320034
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2024-Q2QoQ -1

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

Quarterly Headline

2024-Q2

Bank #320034 2024-Q2 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.73% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2024:
↓ -1 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    ↓ -6
  • Capitalization
    ↓ 0
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +2

The five pillars

Liquidity

StrongQoQ 0
84
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 48.9%, cash 2.7% of assets.

Cash / Assets
2.73%
Loans / Deposits
48.91%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.73% of assets (threshold 3%).

Securities

StableQoQ -6
71
Sub-score

Securities profile is stable: securities 28.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
28.76%
No watch items at this period.

Capitalization

StrongQoQ 0
94
Sub-score

Capital position is strong: Tier 1 RBC 17.29%, CET1 17.29%, leverage 8.53%.

Tier 1 RBC
17.29%
CET1
17.29%
Leverage
8.53%
No watch items at this period.

Asset Quality

StrongQoQ +1
90
Sub-score

Asset quality is strong: Adjusted NPL 1.03%, Texas Ratio 4.7%, NCO YTD 0.05%.

Adjusted NPL
1.03%
Govt-guarantees stripped
Texas Ratio
4.7%
NCO YTD
0.05%
30-89 PD
1.07%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +2
60
Sub-score

Reserves are stable: ALLL 1.00% of loans, coverage 98.5%, true coverage 98.5%.

ALLL / Loans
1.00%
Coverage
98.5%
True Loss Coverage
98.5%
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 18:57:41 UTC