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Peoples Savings And Loan Company

IDRSSD: 605571
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
58
/ 100
WatchAs of 2026-Q1QoQ +3

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 #605571 2026-Q1 Vital Signs Score: 58/100 — overall watch. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. risk
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.34% of loans.
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 30.3% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q4 2025:
↑ +3 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    ↑ +4
  • Capitalization
    — —
  • Asset Quality
    ↑ +11
  • Reserves
    ↑ 0

The five pillars

Liquidity

StrongQoQ -1
95
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 55.2%, cash 7.6% of assets.

Cash / Assets
7.59%
Loans / Deposits
55.20%
Brokered %
0.00%
No watch items at this period.

Securities

WatchQoQ +4
53
Sub-score

Securities profile is deteriorating: securities 34.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
34.09%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 20.11%.

Tier 1 RBC
—
CET1
0.00%
Leverage
20.11%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StableQoQ +11
74
Sub-score

Asset quality is stable: Adjusted NPL 1.12%, Texas Ratio 2.5%, NCO YTD 0.00%.

Adjusted NPL
1.12%
Govt-guarantees stripped
Texas Ratio
2.5%
NCO YTD
0.00%
30-89 PD
2.50%
Band 0.3% / 3.0%
90+ PD
0.84%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ 0
0
Sub-score

Reserves are weak: ALLL 0.34% of loans, coverage 30.3%, true coverage 30.3%.

ALLL / Loans
0.34%
Coverage
30.3%
True Loss Coverage
30.3%

Watch Items

  • watchALLL / NPL below 50% — Coverage 30.3% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 30.3% (Adjusted NPL + Performing Mods denominator).
  • riskALLL / Loans below 0.75% — ALLL 0.34% of loans.

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 08:26:44 UTC