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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-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StrongAs of 2024-Q3QoQ +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-Q3

Bank #530655 2024-Q3 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.09% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2024:
↑ +1 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    ↑ 0
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +7
  • Reserves
    ↑ +1

The five pillars

Liquidity

StrongQoQ -3
81
Sub-score

Liquidity is strong: brokered 8.2%, loans/deposits 57.2%, cash 3.8% of assets.

Cash / Assets
3.84%
Loans / Deposits
57.16%
Brokered %
8.22%
No watch items at this period.

Securities

StableQoQ 0
77
Sub-score

Securities profile is stable: securities 27.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
26.97%
No watch items at this period.

Capitalization

StrongQoQ -1
95
Sub-score

Capital position is strong: Tier 1 RBC 15.20%, CET1 15.20%, leverage 8.76%.

Tier 1 RBC
15.20%
CET1
15.20%
Leverage
8.76%
No watch items at this period.

Asset Quality

StrongQoQ +7
86
Sub-score

Asset quality is strong: Adjusted NPL 2.09%, Texas Ratio 10.6%, NCO YTD 0.08%.

Adjusted NPL
2.09%
Govt-guarantees stripped
Texas Ratio
10.6%
NCO YTD
0.08%
30-89 PD
0.21%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.09% (govt-guarantees stripped).

Reserves

WatchQoQ +1
50
Sub-score

Reserves are deteriorating: ALLL 1.37% of loans, coverage 66.3%, true coverage 66.3%.

ALLL / Loans
1.37%
Coverage
66.3%
True Loss Coverage
66.3%
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