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Peoples Bank

IDRSSD: 923257
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
66
/ 100
StableAs of 2024-Q1QoQ -8

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

Quarterly Headline

2024-Q1

Bank #923257 2024-Q1 Vital Signs Score: 66/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 24.5% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 24.5% (Adjusted NPL + Performing Mods denominator).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.67% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2023:
↓ -8 ptscomposite
  • Liquidity
    ↑ +14
  • Securities
    — —
  • Capitalization
    ↓ -27
  • Asset Quality
    ↓ -13
  • Reserves
    ↓ -9

The five pillars

Liquidity

StrongQoQ +14
85
Sub-score

Liquidity is strong: brokered 6.8%, loans/deposits 90.1%, cash 11.0% of assets.

Cash / Assets
11.00%
Loans / Deposits
90.10%
Brokered %
6.77%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.81%
No watch items at this period.

Capitalization

StableQoQ -27
73
Sub-score

Capital position is stable: Tier 1 RBC 11.38%, CET1 11.38%, leverage 8.71%.

Tier 1 RBC
11.38%
CET1
11.38%
Leverage
8.71%
No watch items at this period.

Asset Quality

WatchQoQ -13
49
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.67%, Texas Ratio 38.1%, NCO YTD 0.07%.

Adjusted NPL
4.67%
Govt-guarantees stripped
Texas Ratio
38.1%
NCO YTD
0.07%
30-89 PD
2.51%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.67% (govt-guarantees stripped).

Reserves

RiskQoQ -9
21
Sub-score

Reserves are weak: ALLL 1.13% of loans, coverage 24.5%, true coverage 24.5%.

ALLL / Loans
1.13%
Coverage
24.5%
True Loss Coverage
24.5%

Watch Items

  • riskALLL / NPL below 50% — Coverage 24.5% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 24.5% (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 23:14:55 UTC