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The Peoples Bank

IDRSSD: 712648
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
77
/ 100
StableAs of 2023-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

2023-Q4

Bank #712648 2023-Q4 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 110.0% (threshold 100%).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.44% (govt-guarantees stripped).
  3. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.02% of loans.

What changed this quarter

Compared to Q3 2023:
↑ 0 ptscomposite
  • Liquidity
    ↓ -17
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +24
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -17
62
Sub-score

Liquidity is stable: brokered 10.4%, loans/deposits 110.0%, cash 5.0% of assets.

Cash / Assets
5.04%
Loans / Deposits
109.99%
Brokered %
10.45%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 110.0% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.52%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.13%, CET1 16.13%, leverage 10.63%.

Tier 1 RBC
16.13%
CET1
16.13%
Leverage
10.63%
No watch items at this period.

Asset Quality

StableQoQ +24
62
Sub-score

Asset quality is stable: Adjusted NPL 2.44%, Texas Ratio 15.2%, NCO YTD 1.02%.

Adjusted NPL
2.44%
Govt-guarantees stripped
Texas Ratio
15.2%
NCO YTD
1.02%
30-89 PD
2.40%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.44% (govt-guarantees stripped).
  • infoNet charge-offs elevated — NCO YTD 1.02% of loans.

Reserves

Stable
62
Sub-score

Reserves are stable: ALLL 1.97% of loans, coverage 82.4%, true coverage 74.3%.

ALLL / Loans
1.97%
Coverage
82.4%
True Loss Coverage
74.3%
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 13:42:36 UTC