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The Peoples Bank

IDRSSD: 7045
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
89
/ 100
StrongAs of 2025-Q4QoQ +1

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 #7045 2025-Q4 Vital Signs Score: 89/100 — 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 2025:
↑ +1 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -1
  • Reserves
    ↑ +16

The five pillars

Liquidity

StrongQoQ -5
95
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 46.6%, cash 7.6% of assets.

Cash / Assets
7.58%
Loans / Deposits
46.60%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.10%
No watch items at this period.

Capitalization

StrongQoQ -1
95
Sub-score

Capital position is strong: Tier 1 RBC 18.01%, CET1 18.01%, leverage 8.91%.

Tier 1 RBC
18.01%
CET1
18.01%
Leverage
8.91%
No watch items at this period.

Asset Quality

StrongQoQ -1
87
Sub-score

Asset quality is strong: Adjusted NPL 0.59%, Texas Ratio 2.6%, NCO YTD 0.67%.

Adjusted NPL
0.59%
Govt-guarantees stripped
Texas Ratio
2.6%
NCO YTD
0.67%
30-89 PD
1.40%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +16
64
Sub-score

Reserves are stable: ALLL 0.82% of loans, coverage 139.1%, true coverage 139.1%.

ALLL / Loans
0.82%
Coverage
139.1%
True Loss Coverage
139.1%
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