Liquidity
StrongQoQ -5
95
Sub-score
Liquidity is strong: brokered 7.1%, loans/deposits 39.6%, cash 13.9% of assets.
- Cash / Assets
- 13.93%
- Loans / Deposits
- 39.61%
- Brokered %
- 7.06%
No watch items at this period.
Peoples State Bank
IDRSSD: 586960
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2023-Q4
Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
95
/ 100
StrongAs of 2023-Q4QoQ -3
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Quarterly Headline
2023-Q4
Bank #586960 2023-Q4 Vital Signs Score: 95/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).
Liquidity:Strong
Securities:Strong
Capitalization:Strong
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 2023:
↓ -3 ptscomposite
- Liquidity↓ -5
- Securities— —
- Capitalization↑ +3
- Asset Quality↓ -1
- Reserves— —
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 0.0% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 0.00%
SVB watch metric
No watch items at this period.
Capitalization
StrongQoQ +3
98
Sub-score
Capital position is strong: Tier 1 RBC 19.77%, CET1 19.77%, leverage 9.73%.
- Tier 1 RBC
- 19.77%
- CET1
- 19.77%
- Leverage
- 9.73%
No watch items at this period.
Asset Quality
StrongQoQ -1
99
Sub-score
Asset quality is strong: Adjusted NPL 0.08%, Texas Ratio 0.3%, NCO YTD -0.01%.
- Adjusted NPL
- 0.08%
- Texas Ratio
- 0.3%
- NCO YTD
- -0.01%
- 30-89 PD
- 0.38%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
Stable
79
Sub-score
Reserves are stable: ALLL 0.88% of loans, coverage 1087.3%, true coverage 1087.3%.
- ALLL / Loans
- 0.88%
- Coverage
- 1087.3%
- True Loss Coverage
- 1087.3%
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: 2026-05-12 01:08:41 UTC