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Peoples First Savings Bank

IDRSSD: 363778
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 4 alerts active.

Summary

RSSD 363778 held $101.6M in total assets as of 2026-03-31 (-3.5% quarter-over-quarter). Total loans stood at $87.6M (-2.2% QoQ) and total deposits at $84.9M (-1.5% QoQ).

Overall position is weak — the composite Health Score is 28/100 (Weak). Tier 1 / RWA stands at 14.30%, in the below median of peers. Asset quality (NPL ratio) sits in the bottom quartile of peers.

4 Quarterly Anomaly Alerts fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
28/100
Weak
Active Alerts
4
0 critical, 4 warning
Total Assets
$101.6M
-3.5% QoQ
Total Loans
$87.6M
-2.2% QoQ
Total Deposits
$84.9M
-1.5% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
14.30%
27th pctile · n=217↑ better
+27 bp QoQ
CET1 / RWA
14.30%
69th pctile · n=500↑ better
+27 bp QoQ
Total RBC / RWA
15.19%
24th pctile · n=217↑ better
+28 bp QoQ
Tier 1 Leverage Ratio
14.30%
68th pctile · n=500↑ better
+27 bp QoQ

Liquidity

Cash / Assets
2.16%
21th pctile · n=500↑ better
-615 bp QoQ
Loans / Deposits
103.10%
95th pctile · n=493↓ better
-77 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
1.88%
84th pctile · n=500↓ better
+117 bp QoQ
NPA / Assets
1.63%
87th pctile · n=500↓ better
+102 bp QoQ
Texas Ratio (regulatory)
15.54%
90th pctile · n=500↓ better
+948 bp QoQ
Net Charge-Offs / Avg Loans
0.00%
46th pctile · n=500↓ better
ALLL Coverage of NPL
37.66%
34th pctile · n=500↑ better
-5952 bp QoQ

Earnings

Net Interest Margin
3.54%
31th pctile · n=500↑ better
-8 bp QoQ
Return on Assets
0.47%
20th pctile · n=500↑ better
+41 bp QoQ
Return on Equity
4.89%
25th pctile · n=500↑ better
+424 bp QoQ
Efficiency Ratio
83.54%
79th pctile · n=500↓ better
-1346 bp QoQ
Pre-tax NOI / Avg Assets
0.59%
22th pctile · n=500↑ better
+49 bp QoQ

Funding

Brokered / Deposits
7.40%
88th pctile · n=493↓ better
+42 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
6.79%
86th pctile · n=500↓ better
-238 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
1.43%
9th pctile · n=500↑ better
+5 bp QoQ
AFS Securities / Assets
0.00%
7th pctile · n=500↑ better
HTM Securities / Assets
1.43%
81th pctile · n=500↑ better
+5 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-13 09:00:43 UTC