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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2025-Q3QoQ +3

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

Quarterly Headline

2025-Q3

Bank #823133 2025-Q3 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.61% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↑ +3 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +8
  • Reserves
    ↑ +4

The five pillars

Liquidity

StrongQoQ +1
92
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 33.9%, cash 6.6% of assets.

Cash / Assets
6.58%
Loans / Deposits
33.93%
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
1.71%
No watch items at this period.

Capitalization

StrongQoQ +1
98
Sub-score

Capital position is strong: Tier 1 RBC 14.67%, CET1 14.67%, leverage 10.32%.

Tier 1 RBC
14.67%
CET1
14.67%
Leverage
10.32%
No watch items at this period.

Asset Quality

StrongQoQ +8
82
Sub-score

Asset quality is strong: Adjusted NPL 2.61%, Texas Ratio 7.1%, NCO YTD -0.22%.

Adjusted NPL
2.61%
Govt-guarantees stripped
Texas Ratio
7.1%
NCO YTD
-0.22%
30-89 PD
0.11%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.61% (govt-guarantees stripped).

Reserves

WatchQoQ +4
51
Sub-score

Reserves are deteriorating: ALLL 1.64% of loans, coverage 63.8%, true coverage 60.8%.

ALLL / Loans
1.64%
Coverage
63.8%
True Loss Coverage
60.8%
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: 2026-05-14 21:34:03 UTC