Liquidity
StrongQoQ +6
93
Sub-score
Liquidity is strong: brokered 5.5%, loans/deposits 51.3%, cash 8.5% of assets.
- Cash / Assets
- 8.55%
- Loans / Deposits
- 51.31%
- Brokered %
- 5.55%
No watch items at this period.
The Peoples Bank
IDRSSD: 530655
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2025-Q4
Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
92
/ 100
StrongAs of 2025-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
2025-Q4
Bank #530655 2025-Q4 Vital Signs Score: 92/100 — overall strong. Strongest pillar: Reserves (strong). Weakest pillar: Securities (strong).
Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Strong
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q3 2025:
↑ 0 ptscomposite
- Liquidity↑ +6
- Securities↑ +2
- Capitalization↓ -2
- Asset Quality↓ -4
- Reserves↑ 0
The five pillars
Securities
StrongQoQ +2
82
Sub-score
Securities profile is strong: securities 25.4% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 25.35%
SVB watch metric
No watch items at this period.
Capitalization
StrongQoQ -2
91
Sub-score
Capital position is strong: Tier 1 RBC 14.40%, CET1 14.40%, leverage 8.10%.
- Tier 1 RBC
- 14.40%
- CET1
- 14.40%
- Leverage
- 8.10%
No watch items at this period.
Asset Quality
StrongQoQ -4
93
Sub-score
Asset quality is strong: Adjusted NPL 0.80%, Texas Ratio 4.2%, NCO YTD 0.41%.
- Adjusted NPL
- 0.80%
- Texas Ratio
- 4.2%
- NCO YTD
- 0.41%
- 30-89 PD
- 0.51%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StrongQoQ 0
98
Sub-score
Reserves are strong: ALLL 1.51% of loans, coverage 191.0%, true coverage 191.0%.
- ALLL / Loans
- 1.51%
- Coverage
- 191.0%
- True Loss Coverage
- 191.0%
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.tsfor 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