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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-Q4

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

Synthesis

Vital Signs Score
80
/ 100
StrongAs of 2024-Q4QoQ 0

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 #530655 2024-Q4 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
    Cash / Assets below 3%
    Liquidity — Cash 2.88% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2024:
↓ 0 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    ↑ 0
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +1
  • Reserves
    ↓ -1

The five pillars

Liquidity

StrongQoQ 0
81
Sub-score

Liquidity is strong: brokered 5.5%, loans/deposits 58.2%, cash 2.9% of assets.

Cash / Assets
2.88%
Loans / Deposits
58.22%
Brokered %
5.45%

Watch Items

  • infoCash / Assets below 3% — Cash 2.88% of assets (threshold 3%).

Securities

StableQoQ 0
77
Sub-score

Securities profile is stable: securities 26.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
26.93%
No watch items at this period.

Capitalization

StrongQoQ -1
94
Sub-score

Capital position is strong: Tier 1 RBC 14.61%, CET1 14.61%, leverage 8.77%.

Tier 1 RBC
14.61%
CET1
14.61%
Leverage
8.77%
No watch items at this period.

Asset Quality

StrongQoQ +1
88
Sub-score

Asset quality is strong: Adjusted NPL 1.94%, Texas Ratio 10.3%, NCO YTD -0.08%.

Adjusted NPL
1.94%
Govt-guarantees stripped
Texas Ratio
10.3%
NCO YTD
-0.08%
30-89 PD
0.25%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -1
49
Sub-score

Reserves are deteriorating: ALLL 1.30% of loans, coverage 68.3%, true coverage 68.3%.

ALLL / Loans
1.30%
Coverage
68.3%
True Loss Coverage
68.3%
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