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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-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2024-Q3QoQ +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-Q3

Bank #712648 2024-Q3 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 104.6% (threshold 100%).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.38% (govt-guarantees stripped).
  3. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.08% of loans.

What changed this quarter

Compared to Q2 2024:
↑ +2 ptscomposite
  • Liquidity
    ↑ +8
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +3
  • Reserves
    ↓ -2

The five pillars

Liquidity

StableQoQ +8
74
Sub-score

Liquidity is stable: brokered 7.9%, loans/deposits 104.6%, cash 8.5% of assets.

Cash / Assets
8.53%
Loans / Deposits
104.59%
Brokered %
7.87%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 104.6% (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
1.14%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 18.09%, CET1 18.09%, leverage 11.34%.

Tier 1 RBC
18.09%
CET1
18.09%
Leverage
11.34%
No watch items at this period.

Asset Quality

StableQoQ +3
67
Sub-score

Asset quality is stable: Adjusted NPL 2.38%, Texas Ratio 13.3%, NCO YTD 1.08%.

Adjusted NPL
2.38%
Govt-guarantees stripped
Texas Ratio
13.3%
NCO YTD
1.08%
30-89 PD
1.60%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.38% (govt-guarantees stripped).
  • infoNet charge-offs elevated — NCO YTD 1.08% of loans.

Reserves

StableQoQ -2
65
Sub-score

Reserves are stable: ALLL 2.16% of loans, coverage 92.8%, true coverage 76.3%.

ALLL / Loans
2.16%
Coverage
92.8%
True Loss Coverage
76.3%
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