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Peoples National Bank Na

IDRSSD: 375043
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2023-Q4QoQ -2

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

Quarterly Headline

2023-Q4

Bank #375043 2023-Q4 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.73% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2023:
↓ -2 ptscomposite
  • Liquidity
    ↓ -11
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↑ +7
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -11
67
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 99.2%, cash 1.7% of assets.

Cash / Assets
1.73%
Loans / Deposits
99.25%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.73% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.18%
No watch items at this period.

Capitalization

StableQoQ -3
60
Sub-score

Capital position is stable: Tier 1 RBC 9.85%, CET1 9.85%, leverage 9.14%.

Tier 1 RBC
9.85%
CET1
9.85%
Leverage
9.14%
No watch items at this period.

Asset Quality

StrongQoQ +7
96
Sub-score

Asset quality is strong: Adjusted NPL 0.90%, Texas Ratio 7.7%, NCO YTD 0.00%.

Adjusted NPL
0.90%
Govt-guarantees stripped
Texas Ratio
7.7%
NCO YTD
0.00%
30-89 PD
0.02%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Stable
74
Sub-score

Reserves are stable: ALLL 1.17% of loans, coverage 131.2%, true coverage 131.2%.

ALLL / Loans
1.17%
Coverage
131.2%
True Loss Coverage
131.2%
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: 2026-05-13 15:57:52 UTC