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Peoples Bank

IDRSSD: 70638
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2025-Q1QoQ +1

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

Quarterly Headline

2025-Q1

Bank #70638 2025-Q1 Vital Signs Score: 70/100 — 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. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.12% (govt-guarantees stripped).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 29.7% (Adjusted NPL + Performing Mods denominator).
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 31.1% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q4 2024:
↑ +1 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +7
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -2
72
Sub-score

Liquidity is stable: brokered 2.0%, loans/deposits 91.2%, cash 2.7% of assets.

Cash / Assets
2.69%
Loans / Deposits
91.21%
Brokered %
2.04%

Watch Items

  • infoCash / Assets below 3% — Cash 2.69% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.43%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.60%, CET1 16.60%, leverage 12.71%.

Tier 1 RBC
16.60%
CET1
16.60%
Leverage
12.71%
No watch items at this period.

Asset Quality

WatchQoQ +7
41
Sub-score

Asset quality is deteriorating: Adjusted NPL 5.12%, Texas Ratio 29.1%, NCO YTD 1.53%.

Adjusted NPL
5.12%
Govt-guarantees stripped
Texas Ratio
29.1%
NCO YTD
1.53%
30-89 PD
1.92%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.12% (govt-guarantees stripped).
  • watchNet charge-offs elevated — NCO YTD 1.53% of loans.

Reserves

Risk
33
Sub-score

Reserves are weak: ALLL 1.56% of loans, coverage 31.1%, true coverage 29.7%.

ALLL / Loans
1.56%
Coverage
31.1%
True Loss Coverage
29.7%

Watch Items

  • watchALLL / NPL below 50% — Coverage 31.1% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 29.7% (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