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The Peoples Bank

IDRSSD: 446149
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
64
/ 100
StableAs of 2024-Q4QoQ -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-Q4

Bank #446149 2024-Q4 Vital Signs Score: 64/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.79% of loans.
  3. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.62%.

What changed this quarter

Compared to Q3 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -5
  • Reserves
    ↑ +8

The five pillars

Liquidity

StableQoQ -3
73
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 89.6%, cash 2.4% of assets.

Cash / Assets
2.44%
Loans / Deposits
89.57%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.44% of assets (threshold 3%).

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

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 10.79%.

Tier 1 RBC
—
CET1
0.00%
Leverage
10.79%

Watch Items

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

Asset Quality

WatchQoQ -5
56
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.23%, Texas Ratio 14.6%, NCO YTD 1.79%.

Adjusted NPL
2.23%
Govt-guarantees stripped
Texas Ratio
14.6%
NCO YTD
1.79%
30-89 PD
0.23%
Band 0.3% / 3.0%
90+ PD
1.62%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.23% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.62%.
  • watchNet charge-offs elevated — NCO YTD 1.79% of loans.

Reserves

WatchQoQ +8
50
Sub-score

Reserves are deteriorating: ALLL 1.43% of loans, coverage 65.3%, true coverage 62.8%.

ALLL / Loans
1.43%
Coverage
65.3%
True Loss Coverage
62.8%
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 16:19:31 UTC