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Peoples First Savings Bank

IDRSSD: 363778
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
84
/ 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 #363778 2025-Q3 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 107.4% (threshold 100%).
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.68% of loans.

What changed this quarter

Compared to Q2 2025:
↑ 0 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ 0
  • Reserves
    ↓ -2

The five pillars

Liquidity

StableQoQ +1
69
Sub-score

Liquidity is stable: brokered 7.5%, loans/deposits 107.4%, cash 6.6% of assets.

Cash / Assets
6.63%
Loans / Deposits
107.36%
Brokered %
7.53%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 107.4% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.44%
No watch items at this period.

Capitalization

StrongQoQ +2
95
Sub-score

Capital position is strong: Tier 1 RBC 14.02%, CET1 14.02%, leverage 9.63%.

Tier 1 RBC
14.02%
CET1
14.02%
Leverage
9.63%
No watch items at this period.

Asset Quality

StrongQoQ 0
98
Sub-score

Asset quality is strong: Adjusted NPL 0.71%, Texas Ratio 6.1%, NCO YTD 0.00%.

Adjusted NPL
0.71%
Govt-guarantees stripped
Texas Ratio
6.1%
NCO YTD
0.00%
30-89 PD
0.07%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -2
48
Sub-score

Reserves are deteriorating: ALLL 0.68% of loans, coverage 96.7%, true coverage 96.7%.

ALLL / Loans
0.68%
Coverage
96.7%
True Loss Coverage
96.7%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.68% of loans.

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: 2026-05-13 09:00:24 UTC