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The Peoples Bank

IDRSSD: 7045
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
90
/ 100
StrongAs of 2023-Q4QoQ -8

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 #7045 2023-Q4 Vital Signs Score: 90/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2023:
↓ -8 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ -9
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +3
98
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 41.6%, cash 9.3% of assets.

Cash / Assets
9.27%
Loans / Deposits
41.60%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.12%
No watch items at this period.

Capitalization

StrongQoQ -3
95
Sub-score

Capital position is strong: Tier 1 RBC 19.95%, CET1 19.95%, leverage 9.05%.

Tier 1 RBC
19.95%
CET1
19.95%
Leverage
9.05%
No watch items at this period.

Asset Quality

StrongQoQ -9
91
Sub-score

Asset quality is strong: Adjusted NPL 0.80%, Texas Ratio 3.3%, NCO YTD 0.05%.

Adjusted NPL
0.80%
Govt-guarantees stripped
Texas Ratio
3.3%
NCO YTD
0.05%
30-89 PD
1.33%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Stable
61
Sub-score

Reserves are stable: ALLL 0.99% of loans, coverage 124.7%, true coverage 89.3%.

ALLL / Loans
0.99%
Coverage
124.7%
True Loss Coverage
89.3%
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 04:24:16 UTC