Liquidity
StableQoQ +7
71
Sub-score
Liquidity is stable: brokered 6.5%, loans/deposits 96.0%, cash 4.8% of assets.
- Cash / Assets
- 4.82%
- Loans / Deposits
- 96.02%
- Brokered %
- 6.53%
No watch items at this period.
Peoples National Bank Na
IDRSSD: 375043
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2024-Q4
Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
76
/ 100
StableAs of 2024-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
2024-Q4
Bank #375043 2024-Q4 Vital Signs Score: 76/100 — 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
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q3 2024:
↑ +2 ptscomposite
- Liquidity↑ +7
- Securities— —
- Capitalization↓ 0
- Asset Quality↑ +1
- Reserves↑ +3
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 0.8% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 0.78%
SVB watch metric
No watch items at this period.
Capitalization
WatchQoQ 0
50
Sub-score
Capital position is deteriorating: Tier 1 RBC 9.68%, CET1 9.68%, leverage 9.08%.
- Tier 1 RBC
- 9.68%
- CET1
- 9.68%
- Leverage
- 9.08%
No watch items at this period.
Asset Quality
StrongQoQ +1
96
Sub-score
Asset quality is strong: Adjusted NPL 0.86%, Texas Ratio 7.5%, NCO YTD 0.18%.
- Adjusted NPL
- 0.86%
- Texas Ratio
- 7.5%
- NCO YTD
- 0.18%
- 30-89 PD
- 0.03%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StableQoQ +3
68
Sub-score
Reserves are stable: ALLL 1.19% of loans, coverage 139.5%, true coverage 82.0%.
- ALLL / Loans
- 1.19%
- Coverage
- 139.5%
- True Loss Coverage
- 82.0%
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.tsfor 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