Visbanking Logo
Skip to main content

Peoplesbank

IDRSSD: 613400
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2024-Q2QoQ -1

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

Quarterly Headline

2024-Q2

Bank #613400 2024-Q2 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.53% of loans.

What changed this quarter

Compared to Q1 2024:
↓ -1 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    ↓ -10
  • Asset Quality
    ↓ 0
  • Reserves
    ↑ +3

The five pillars

Liquidity

StableQoQ +6
64
Sub-score

Liquidity is stable: brokered 15.9%, loans/deposits 91.9%, cash 3.4% of assets.

Cash / Assets
3.38%
Loans / Deposits
91.93%
Brokered %
15.89%
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

WatchQoQ -10
56
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.58%, CET1 10.58%, leverage 8.61%.

Tier 1 RBC
10.58%
CET1
10.58%
Leverage
8.61%
No watch items at this period.

Asset Quality

StrongQoQ 0
99
Sub-score

Asset quality is strong: Adjusted NPL 0.35%, Texas Ratio 3.0%, NCO YTD 0.18%.

Adjusted NPL
0.35%
Govt-guarantees stripped
Texas Ratio
3.0%
NCO YTD
0.18%
30-89 PD
0.19%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +3
58
Sub-score

Reserves are deteriorating: ALLL 0.53% of loans, coverage 154.0%, true coverage 148.3%.

ALLL / Loans
0.53%
Coverage
154.0%
True Loss Coverage
148.3%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.53% 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: 2026-05-14 19:34:34 UTC