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Peoples Bank

IDRSSD: 70638
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
73
/ 100
StableAs of 2023-Q4QoQ -19

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 #70638 2023-Q4 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 32.3% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 37.1% (regulatory soft-warning level 50%).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.31% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2023:
↓ -19 ptscomposite
  • Liquidity
    ↓ -14
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -31
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -14
70
Sub-score

Liquidity is stable: brokered 7.1%, loans/deposits 95.3%, cash 4.3% of assets.

Cash / Assets
4.34%
Loans / Deposits
95.32%
Brokered %
7.14%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.41%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 18.08%, CET1 18.08%, leverage 13.90%.

Tier 1 RBC
18.08%
CET1
18.08%
Leverage
13.90%
No watch items at this period.

Asset Quality

WatchQoQ -31
57
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.31%, Texas Ratio 23.0%, NCO YTD 0.37%.

Adjusted NPL
4.31%
Govt-guarantees stripped
Texas Ratio
23.0%
NCO YTD
0.37%
30-89 PD
1.57%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.31% (govt-guarantees stripped).

Reserves

Risk
34
Sub-score

Reserves are weak: ALLL 1.57% of loans, coverage 37.1%, true coverage 32.3%.

ALLL / Loans
1.57%
Coverage
37.1%
True Loss Coverage
32.3%

Watch Items

  • watchALLL / NPL below 50% — Coverage 37.1% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 32.3% (Adjusted NPL + Performing Mods denominator).

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 23:22:15 UTC