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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 — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2026-Q1QoQ -9

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

Quarterly Headline

2026-Q1

Bank #363778 2026-Q1 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / NPL below 50%
    Reserves — Coverage 37.7% (regulatory soft-warning level 50%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 37.7% (Adjusted NPL + Performing Mods denominator).
  3. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 103.1% (threshold 100%).

What changed this quarter

Compared to Q4 2025:
↓ -9 ptscomposite
  • Liquidity
    ↓ -14
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -7
  • Reserves
    ↓ -38

The five pillars

Liquidity

StableQoQ -14
61
Sub-score

Liquidity is stable: brokered 7.4%, loans/deposits 103.1%, cash 2.2% of assets.

Cash / Assets
2.16%
Loans / Deposits
103.10%
Brokered %
7.40%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 103.1% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.16% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.43%
No watch items at this period.

Capitalization

StrongQoQ +3
97
Sub-score

Capital position is strong: Tier 1 RBC 14.30%, CET1 14.30%, leverage 9.88%.

Tier 1 RBC
14.30%
CET1
14.30%
Leverage
9.88%
No watch items at this period.

Asset Quality

StrongQoQ -7
86
Sub-score

Asset quality is strong: Adjusted NPL 1.89%, Texas Ratio 15.5%, NCO YTD 0.00%.

Adjusted NPL
1.89%
Govt-guarantees stripped
Texas Ratio
15.5%
NCO YTD
0.00%
30-89 PD
0.48%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -38
11
Sub-score

Reserves are weak: ALLL 0.71% of loans, coverage 37.7%, true coverage 37.7%.

ALLL / Loans
0.71%
Coverage
37.7%
True Loss Coverage
37.7%

Watch Items

  • watchALLL / NPL below 50% — Coverage 37.7% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 37.7% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.71% 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