Visbanking Logo
Skip to main content

Peoples Bank

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

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2025-Q3QoQ +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-Q3

Bank #70638 2025-Q3 Vital Signs Score: 75/100 — 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 36.3% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 36.4% (regulatory soft-warning level 50%).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.07% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↑ +2 ptscomposite
  • Liquidity
    ↓ -6
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +12
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ -6
75
Sub-score

Liquidity is stable: brokered 2.8%, loans/deposits 89.1%, cash 3.8% of assets.

Cash / Assets
3.83%
Loans / Deposits
89.13%
Brokered %
2.81%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.18%, CET1 16.18%, leverage 12.24%.

Tier 1 RBC
16.18%
CET1
16.18%
Leverage
12.24%
No watch items at this period.

Asset Quality

WatchQoQ +12
60
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.07%, Texas Ratio 23.8%, NCO YTD 0.34%.

Adjusted NPL
4.07%
Govt-guarantees stripped
Texas Ratio
23.8%
NCO YTD
0.34%
30-89 PD
1.26%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.07% (govt-guarantees stripped).

Reserves

RiskQoQ +1
35
Sub-score

Reserves are weak: ALLL 1.46% of loans, coverage 36.4%, true coverage 36.3%.

ALLL / Loans
1.46%
Coverage
36.4%
True Loss Coverage
36.3%

Watch Items

  • watchALLL / NPL below 50% — Coverage 36.4% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 36.3% (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