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Peoples Bank

IDRSSD: 998844
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
78
/ 100
StableAs of 2025-Q1QoQ -7

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 #998844 2025-Q1 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.11% of assets (threshold 3%).
  2. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.04%.

What changed this quarter

Compared to Q4 2024:
↓ -7 ptscomposite
  • Liquidity
    ↓ -12
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↓ -9
  • Reserves
    ↓ -11

The five pillars

Liquidity

StableQoQ -12
65
Sub-score

Liquidity is stable: brokered 2.7%, loans/deposits 96.6%, cash 1.1% of assets.

Cash / Assets
1.11%
Loans / Deposits
96.63%
Brokered %
2.71%

Watch Items

  • watchCash / Assets below 3% — Cash 1.11% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.54%
No watch items at this period.

Capitalization

StableQoQ -5
76
Sub-score

Capital position is stable: Tier 1 RBC 11.68%, CET1 11.68%, leverage 10.38%.

Tier 1 RBC
11.68%
CET1
11.68%
Leverage
10.38%
No watch items at this period.

Asset Quality

StrongQoQ -9
82
Sub-score

Asset quality is strong: Adjusted NPL 1.06%, Texas Ratio 7.9%, NCO YTD -0.01%.

Adjusted NPL
1.06%
Govt-guarantees stripped
Texas Ratio
7.9%
NCO YTD
-0.01%
30-89 PD
1.10%
Band 0.3% / 3.0%
90+ PD
1.04%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.04%.

Reserves

StableQoQ -11
73
Sub-score

Reserves are stable: ALLL 1.24% of loans, coverage 119.0%, true coverage 119.0%.

ALLL / Loans
1.24%
Coverage
119.0%
True Loss Coverage
119.0%
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: 2026-05-15 01:47:31 UTC