Visbanking Logo
Skip to main content

Peoples National Bank Na

IDRSSD: 375043
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
76
/ 100
StableAs of 2026-Q1QoQ 0

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 #375043 2026-Q1 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

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.68% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2025:
↓ 0 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -8

The five pillars

Liquidity

StableQoQ +4
66
Sub-score

Liquidity is stable: brokered 5.8%, loans/deposits 97.4%, cash 2.7% of assets.

Cash / Assets
2.68%
Loans / Deposits
97.41%
Brokered %
5.76%

Watch Items

  • infoCash / Assets below 3% — Cash 2.68% 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
1.25%
No watch items at this period.

Capitalization

WatchQoQ +2
54
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.92%, CET1 9.92%, leverage 9.18%.

Tier 1 RBC
9.92%
CET1
9.92%
Leverage
9.18%
No watch items at this period.

Asset Quality

StrongQoQ -1
95
Sub-score

Asset quality is strong: Adjusted NPL 1.01%, Texas Ratio 8.6%, NCO YTD -0.01%.

Adjusted NPL
1.01%
Govt-guarantees stripped
Texas Ratio
8.6%
NCO YTD
-0.01%
30-89 PD
0.08%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -8
70
Sub-score

Reserves are stable: ALLL 1.24% of loans, coverage 124.4%, true coverage 89.9%.

ALLL / Loans
1.24%
Coverage
124.4%
True Loss Coverage
89.9%
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