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The Peoples Bank

IDRSSD: 530655
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
76
/ 100
StableAs of 2023-Q4QoQ -13

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 #530655 2023-Q4 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.83% of assets (threshold 3%).
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.01% (govt-guarantees stripped).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 47.2% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q3 2023:
↓ -13 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    ↑ +4
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -24
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -1
79
Sub-score

Liquidity is stable: brokered 3.7%, loans/deposits 52.9%, cash 1.8% of assets.

Cash / Assets
1.83%
Loans / Deposits
52.85%
Brokered %
3.71%

Watch Items

  • watchCash / Assets below 3% — Cash 1.83% of assets (threshold 3%).

Securities

StableQoQ +4
74
Sub-score

Securities profile is stable: securities 27.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
27.92%
No watch items at this period.

Capitalization

StrongQoQ +2
98
Sub-score

Capital position is strong: Tier 1 RBC 15.50%, CET1 15.50%, leverage 9.63%.

Tier 1 RBC
15.50%
CET1
15.50%
Leverage
9.63%
No watch items at this period.

Asset Quality

StableQoQ -24
76
Sub-score

Asset quality is stable: Adjusted NPL 3.01%, Texas Ratio 14.7%, NCO YTD 0.36%.

Adjusted NPL
3.01%
Govt-guarantees stripped
Texas Ratio
14.7%
NCO YTD
0.36%
30-89 PD
0.03%
Band 0.3% / 3.0%
90+ PD
0.10%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.01% (govt-guarantees stripped).

Reserves

Risk
38
Sub-score

Reserves are weak: ALLL 1.40% of loans, coverage 47.2%, true coverage 47.2%.

ALLL / Loans
1.40%
Coverage
47.2%
True Loss Coverage
47.2%

Watch Items

  • infoALLL / NPL below 50% — Coverage 47.2% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 47.2% (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: 2026-05-14 10:29:03 UTC