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Peoples Bank

IDRSSD: 998844
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
81
/ 100
StrongAs of 2025-Q3QoQ 0

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 #998844 2025-Q3 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.06% of assets (threshold 3%).
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 100.8% (threshold 100%).

What changed this quarter

Compared to Q2 2025:
↓ 0 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -1

The five pillars

Liquidity

StableQoQ -1
64
Sub-score

Liquidity is stable: brokered 4.1%, loans/deposits 100.8%, cash 2.1% of assets.

Cash / Assets
2.06%
Loans / Deposits
100.77%
Brokered %
4.09%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 100.8% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.06% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.91%
No watch items at this period.

Capitalization

StableQoQ +1
78
Sub-score

Capital position is stable: Tier 1 RBC 11.82%, CET1 11.82%, leverage 10.56%.

Tier 1 RBC
11.82%
CET1
11.82%
Leverage
10.56%
No watch items at this period.

Asset Quality

StrongQoQ -1
88
Sub-score

Asset quality is strong: Adjusted NPL 1.00%, Texas Ratio 7.3%, NCO YTD 0.00%.

Adjusted NPL
1.00%
Govt-guarantees stripped
Texas Ratio
7.3%
NCO YTD
0.00%
30-89 PD
0.20%
Band 0.3% / 3.0%
90+ PD
0.92%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -1
77
Sub-score

Reserves are stable: ALLL 1.28% of loans, coverage 130.4%, true coverage 130.4%.

ALLL / Loans
1.28%
Coverage
130.4%
True Loss Coverage
130.4%
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