Visbanking Logo
Skip to main content

The Peoples Bank

IDRSSD: 530655
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2024-Q1QoQ +3

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

Quarterly Headline

2024-Q1

Bank #530655 2024-Q1 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.92% (govt-guarantees stripped).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 49.9% (regulatory soft-warning level 50%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 49.9% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q4 2023:
↑ +3 ptscomposite
  • Liquidity
    ↑ +9
  • Securities
    ↑ +4
  • Capitalization
    ↓ -4
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ +2

The five pillars

Liquidity

StrongQoQ +9
88
Sub-score

Liquidity is strong: brokered 5.8%, loans/deposits 53.7%, cash 6.5% of assets.

Cash / Assets
6.45%
Loans / Deposits
53.65%
Brokered %
5.80%
No watch items at this period.

Securities

StableQoQ +4
78
Sub-score

Securities profile is stable: securities 26.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
26.66%
No watch items at this period.

Capitalization

StrongQoQ -4
94
Sub-score

Capital position is strong: Tier 1 RBC 15.85%, CET1 15.85%, leverage 8.88%.

Tier 1 RBC
15.85%
CET1
15.85%
Leverage
8.88%
No watch items at this period.

Asset Quality

StableQoQ +3
79
Sub-score

Asset quality is stable: Adjusted NPL 2.92%, Texas Ratio 14.1%, NCO YTD -0.19%.

Adjusted NPL
2.92%
Govt-guarantees stripped
Texas Ratio
14.1%
NCO YTD
-0.19%
30-89 PD
0.09%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.92% (govt-guarantees stripped).

Reserves

WatchQoQ +2
41
Sub-score

Reserves are deteriorating: ALLL 1.44% of loans, coverage 49.9%, true coverage 49.9%.

ALLL / Loans
1.44%
Coverage
49.9%
True Loss Coverage
49.9%

Watch Items

  • infoALLL / NPL below 50% — Coverage 49.9% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 49.9% (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: 2026-05-14 10:29:03 UTC