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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 — 2025-Q4

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

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2025-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

2025-Q4

Bank #320034 2025-Q4 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.60% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↓ -3 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    ↑ +4
  • Capitalization
    ↓ -5
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -4

The five pillars

Liquidity

StrongQoQ -5
81
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 47.4%, cash 1.6% of assets.

Cash / Assets
1.60%
Loans / Deposits
47.35%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.60% of assets (threshold 3%).

Securities

StrongQoQ +4
81
Sub-score

Securities profile is strong: securities 25.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
25.64%
No watch items at this period.

Capitalization

StrongQoQ -5
95
Sub-score

Capital position is strong: Tier 1 RBC 16.06%, CET1 16.06%, leverage 8.70%.

Tier 1 RBC
16.06%
CET1
16.06%
Leverage
8.70%
No watch items at this period.

Asset Quality

StrongQoQ -3
83
Sub-score

Asset quality is strong: Adjusted NPL 1.01%, Texas Ratio 4.9%, NCO YTD 0.24%.

Adjusted NPL
1.01%
Govt-guarantees stripped
Texas Ratio
4.9%
NCO YTD
0.24%
30-89 PD
2.10%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -4
74
Sub-score

Reserves are stable: ALLL 1.22% of loans, coverage 123.3%, true coverage 123.3%.

ALLL / Loans
1.22%
Coverage
123.3%
True Loss Coverage
123.3%
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.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