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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 — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2024-Q1QoQ -1

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

Quarterly Headline

2024-Q1

Bank #375043 2024-Q1 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.49% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2023:
↓ -1 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↑ 0
  • Reserves
    ↑ 0

The five pillars

Liquidity

StableQoQ -2
65
Sub-score

Liquidity is stable: brokered 2.0%, loans/deposits 99.1%, cash 1.5% of assets.

Cash / Assets
1.49%
Loans / Deposits
99.08%
Brokered %
1.97%

Watch Items

  • watchCash / Assets below 3% — Cash 1.49% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.85%
No watch items at this period.

Capitalization

WatchQoQ -2
58
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.69%, CET1 9.69%, leverage 9.02%.

Tier 1 RBC
9.69%
CET1
9.69%
Leverage
9.02%
No watch items at this period.

Asset Quality

StrongQoQ 0
96
Sub-score

Asset quality is strong: Adjusted NPL 0.89%, Texas Ratio 7.7%, NCO YTD -0.03%.

Adjusted NPL
0.89%
Govt-guarantees stripped
Texas Ratio
7.7%
NCO YTD
-0.03%
30-89 PD
0.16%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ 0
74
Sub-score

Reserves are stable: ALLL 1.16% of loans, coverage 132.6%, true coverage 132.6%.

ALLL / Loans
1.16%
Coverage
132.6%
True Loss Coverage
132.6%
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