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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2025-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

2025-Q4

Bank #586960 2025-Q4 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 42.9% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2025:
↑ +3 ptscomposite
  • Liquidity
    ↑ +14
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +11
  • Reserves
    ↓ -17

The five pillars

Liquidity

StrongQoQ +14
95
Sub-score

Liquidity is strong: brokered 4.4%, loans/deposits 59.0%, cash 9.2% of assets.

Cash / Assets
9.19%
Loans / Deposits
58.99%
Brokered %
4.41%
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 18.21%, CET1 18.21%, leverage 10.16%.

Tier 1 RBC
18.21%
CET1
18.21%
Leverage
10.16%
No watch items at this period.

Asset Quality

StrongQoQ +11
92
Sub-score

Asset quality is strong: Adjusted NPL 1.32%, Texas Ratio 6.3%, NCO YTD 0.01%.

Adjusted NPL
1.32%
Govt-guarantees stripped
Texas Ratio
6.3%
NCO YTD
0.01%
30-89 PD
0.41%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -17
31
Sub-score

Reserves are weak: ALLL 1.04% of loans, coverage 79.5%, true coverage 42.9%.

ALLL / Loans
1.04%
Coverage
79.5%
True Loss Coverage
42.9%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 42.9% (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: 2026-05-12 01:08:41 UTC