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The Peoples Bank

IDRSSD: 530655
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
79
/ 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 #530655 2024-Q2 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 2.34% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2024:
↑ +1 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    ↓ -2
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ 0
  • Reserves
    ↑ +8

The five pillars

Liquidity

StrongQoQ -4
84
Sub-score

Liquidity is strong: brokered 5.9%, loans/deposits 55.7%, cash 4.5% of assets.

Cash / Assets
4.50%
Loans / Deposits
55.72%
Brokered %
5.93%
No watch items at this period.

Securities

StableQoQ -2
76
Sub-score

Securities profile is stable: securities 27.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
27.11%
No watch items at this period.

Capitalization

StrongQoQ +2
96
Sub-score

Capital position is strong: Tier 1 RBC 15.95%, CET1 15.95%, leverage 9.08%.

Tier 1 RBC
15.95%
CET1
15.95%
Leverage
9.08%
No watch items at this period.

Asset Quality

StableQoQ 0
79
Sub-score

Asset quality is stable: Adjusted NPL 2.34%, Texas Ratio 11.4%, NCO YTD -0.02%.

Adjusted NPL
2.34%
Govt-guarantees stripped
Texas Ratio
11.4%
NCO YTD
-0.02%
30-89 PD
1.11%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.34% (govt-guarantees stripped).

Reserves

WatchQoQ +8
48
Sub-score

Reserves are deteriorating: ALLL 1.42% of loans, coverage 61.7%, true coverage 61.7%.

ALLL / Loans
1.42%
Coverage
61.7%
True Loss Coverage
61.7%
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: 2026-05-14 10:29:03 UTC