Visbanking Logo
Skip to main content

The Peoples Bank

IDRSSD: 712648
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2024-Q1QoQ 0

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

Quarterly Headline

2024-Q1

Bank #712648 2024-Q1 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 106.5% (threshold 100%).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.73% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2023:
↑ 0 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +2
  • Reserves
    ↓ -3

The five pillars

Liquidity

StableQoQ +1
63
Sub-score

Liquidity is stable: brokered 10.4%, loans/deposits 106.5%, cash 4.6% of assets.

Cash / Assets
4.65%
Loans / Deposits
106.50%
Brokered %
10.36%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 106.5% (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 17.15%, CET1 17.15%, leverage 11.19%.

Tier 1 RBC
17.15%
CET1
17.15%
Leverage
11.19%
No watch items at this period.

Asset Quality

StableQoQ +2
63
Sub-score

Asset quality is stable: Adjusted NPL 2.73%, Texas Ratio 16.0%, NCO YTD 0.79%.

Adjusted NPL
2.73%
Govt-guarantees stripped
Texas Ratio
16.0%
NCO YTD
0.79%
30-89 PD
2.02%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.73% (govt-guarantees stripped).

Reserves

WatchQoQ -3
58
Sub-score

Reserves are deteriorating: ALLL 2.05% of loans, coverage 76.5%, true coverage 69.9%.

ALLL / Loans
2.05%
Coverage
76.5%
True Loss Coverage
69.9%
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