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The Peoples Bank

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

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2024-Q2QoQ +2

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

Quarterly Headline

2024-Q2

Bank #712648 2024-Q2 Vital Signs Score: 79/100 — 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 106.4% (threshold 100%).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.39% (govt-guarantees stripped).
  3. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.14% of loans.

What changed this quarter

Compared to Q1 2024:
↑ +2 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ 0
  • Reserves
    ↑ +8

The five pillars

Liquidity

StableQoQ +4
67
Sub-score

Liquidity is stable: brokered 8.3%, loans/deposits 106.4%, cash 5.6% of assets.

Cash / Assets
5.62%
Loans / Deposits
106.38%
Brokered %
8.32%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 106.4% (threshold 100%).

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

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 17.79%, CET1 17.79%, leverage 11.31%.

Tier 1 RBC
17.79%
CET1
17.79%
Leverage
11.31%
No watch items at this period.

Asset Quality

StableQoQ 0
64
Sub-score

Asset quality is stable: Adjusted NPL 2.39%, Texas Ratio 13.6%, NCO YTD 1.14%.

Adjusted NPL
2.39%
Govt-guarantees stripped
Texas Ratio
13.6%
NCO YTD
1.14%
30-89 PD
2.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.39% (govt-guarantees stripped).
  • infoNet charge-offs elevated — NCO YTD 1.14% of loans.

Reserves

StableQoQ +8
66
Sub-score

Reserves are stable: ALLL 2.11% of loans, coverage 90.1%, true coverage 80.6%.

ALLL / Loans
2.11%
Coverage
90.1%
True Loss Coverage
80.6%
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