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The Peoples Bank

IDRSSD: 575133
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
59
/ 100
WatchAs of 2023-Q4QoQ -23

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

Quarterly Headline

2023-Q4

Bank #575133 2023-Q4 Vital Signs Score: 59/100 — overall watch. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.73% of loans.

What changed this quarter

Compared to Q3 2023:
↓ -23 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    ↓ -50
  • Asset Quality
    ↓ -11
  • Reserves
    — —

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 36.5%, cash 13.4% of assets.

Cash / Assets
13.42%
Loans / Deposits
36.50%
Brokered %
0.00%
No watch items at this period.

Securities

Risk
0
Sub-score

Securities profile is weak: securities 51.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
51.12%
No watch items at this period.

Capitalization

WatchQoQ -50
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 12.10%.

Tier 1 RBC
—
CET1
0.00%
Leverage
12.10%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StrongQoQ -11
89
Sub-score

Asset quality is strong: Adjusted NPL 0.84%, Texas Ratio 2.2%, NCO YTD 0.02%.

Adjusted NPL
0.84%
Govt-guarantees stripped
Texas Ratio
2.2%
NCO YTD
0.02%
30-89 PD
1.49%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Risk
29
Sub-score

Reserves are weak: ALLL 0.73% of loans, coverage 86.7%, true coverage 57.5%.

ALLL / Loans
0.73%
Coverage
86.7%
True Loss Coverage
57.5%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.73% of loans.

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: 2026-05-12 16:38:54 UTC