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Peoples State Bank

IDRSSD: 586960
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
84
/ 100
StrongAs of 2025-Q3QoQ -2

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 #586960 2025-Q3 Vital Signs Score: 84/100 — 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
    90+ days past due elevated
    Asset Quality — 90+ PD 1.36%.

What changed this quarter

Compared to Q2 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -19
  • Reserves
    ↑ +24

The five pillars

Liquidity

StrongQoQ -3
81
Sub-score

Liquidity is strong: brokered 6.5%, loans/deposits 62.8%, cash 3.3% of assets.

Cash / Assets
3.32%
Loans / Deposits
62.84%
Brokered %
6.46%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 17.98%, CET1 17.98%, leverage 10.02%.

Tier 1 RBC
17.98%
CET1
17.98%
Leverage
10.02%
No watch items at this period.

Asset Quality

StrongQoQ -19
81
Sub-score

Asset quality is strong: Adjusted NPL 1.36%, Texas Ratio 6.5%, NCO YTD -0.01%.

Adjusted NPL
1.36%
Govt-guarantees stripped
Texas Ratio
6.5%
NCO YTD
-0.01%
30-89 PD
0.31%
Band 0.3% / 3.0%
90+ PD
1.36%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.36%.

Reserves

WatchQoQ +24
47
Sub-score

Reserves are deteriorating: ALLL 1.05% of loans, coverage 78.0%, true coverage 78.0%.

ALLL / Loans
1.05%
Coverage
78.0%
True Loss Coverage
78.0%
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: 2026-05-12 01:08:41 UTC