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Peoples National Bank Of Kewanee

IDRSSD: 823133
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2025-Q1QoQ +6

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

Quarterly Headline

2025-Q1

Bank #823133 2025-Q1 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.36% (govt-guarantees stripped).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 48.8% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q4 2024:
↑ +6 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +17
  • Reserves
    ↑ +9

The five pillars

Liquidity

StrongQoQ 0
98
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 32.1%, cash 9.3% of assets.

Cash / Assets
9.28%
Loans / Deposits
32.14%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.74%
No watch items at this period.

Capitalization

StrongQoQ +1
95
Sub-score

Capital position is strong: Tier 1 RBC 14.15%, CET1 14.15%, leverage 9.84%.

Tier 1 RBC
14.15%
CET1
14.15%
Leverage
9.84%
No watch items at this period.

Asset Quality

StableQoQ +17
76
Sub-score

Asset quality is stable: Adjusted NPL 3.36%, Texas Ratio 9.1%, NCO YTD 0.01%.

Adjusted NPL
3.36%
Govt-guarantees stripped
Texas Ratio
9.1%
NCO YTD
0.01%
30-89 PD
0.35%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.36% (govt-guarantees stripped).

Reserves

WatchQoQ +9
43
Sub-score

Reserves are deteriorating: ALLL 1.68% of loans, coverage 51.0%, true coverage 48.8%.

ALLL / Loans
1.68%
Coverage
51.0%
True Loss Coverage
48.8%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 48.8% (Adjusted NPL + Performing Mods denominator).

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: 2026-05-14 21:34:03 UTC