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The Peoples Bank

IDRSSD: 7045
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 1 alert active.

Summary

RSSD 7045 held $325.6M in total assets as of 2026-03-31 (+2.0% quarter-over-quarter). Total loans stood at $145.5M (+5.7% QoQ) and total deposits at $300.9M (+1.9% QoQ).

Overall position is adequate — the composite Health Score is 69/100 (Adequate). Tier 1 / RWA stands at 21.06%, in the top quartile of peers. Asset quality (NPL ratio) sits in the below median of peers.

1 Quarterly Anomaly Alert fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
69/100
Adequate
Active Alerts
1
0 critical, 0 warning
Total Assets
$325.6M
+2.0% QoQ
Total Loans
$145.5M
+5.7% QoQ
Total Deposits
$300.9M
+1.9% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
21.06%
78th pctile · n=265↑ better
+305 bp QoQ
CET1 / RWA
21.06%
89th pctile · n=500↑ better
+305 bp QoQ
Total RBC / RWA
21.86%
78th pctile · n=265↑ better
+318 bp QoQ
Tier 1 Leverage Ratio
21.06%
89th pctile · n=500↑ better
+305 bp QoQ

Liquidity

Cash / Assets
8.31%
62th pctile · n=500↑ better
Loans / Deposits
48.34%
8th pctile · n=494↓ better
+174 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.51%
56th pctile · n=500↓ better
-8 bp QoQ
NPA / Assets
0.23%
44th pctile · n=500↓ better
-2 bp QoQ
Texas Ratio (regulatory)
2.29%
50th pctile · n=500↓ better
-28 bp QoQ
Net Charge-Offs / Avg Loans
0.00%
37th pctile · n=500↓ better
-67 bp QoQ
ALLL Coverage of NPL
158.48%
51th pctile · n=500↑ better
+1936 bp QoQ

Earnings

Net Interest Margin
3.51%
31th pctile · n=500↑ better
-13 bp QoQ
Return on Assets
1.22%
51th pctile · n=500↑ better
+5 bp QoQ
Return on Equity
17.02%
83th pctile · n=500↑ better
+21 bp QoQ
Efficiency Ratio
58.46%
34th pctile · n=500↓ better
-47 bp QoQ
Pre-tax NOI / Avg Assets
1.49%
55th pctile · n=500↑ better
+5 bp QoQ

Funding

Brokered / Deposits
0.00%
28th pctile · n=494↓ better
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
0.00%
24th pctile · n=500↓ better

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
43.27%
92th pctile · n=500↑ better
-217 bp QoQ
AFS Securities / Assets
42.83%
95th pctile · n=500↑ better
-216 bp QoQ
HTM Securities / Assets
0.44%
76th pctile · n=500↑ better
-1 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-14 04:24:41 UTC