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The Peoples Bank

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

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2025-Q3QoQ 0

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

Quarterly Headline

2025-Q3

Bank #712648 2025-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. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 111.8% (threshold 100%).

What changed this quarter

Compared to Q2 2025:
↑ 0 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +2
  • Reserves
    ↑ +3

The five pillars

Liquidity

StableQoQ -4
68
Sub-score

Liquidity is stable: brokered 2.9%, loans/deposits 111.8%, cash 5.3% of assets.

Cash / Assets
5.33%
Loans / Deposits
111.83%
Brokered %
2.94%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 111.8% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.23%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 19.73%, CET1 19.73%, leverage 13.28%.

Tier 1 RBC
19.73%
CET1
19.73%
Leverage
13.28%
No watch items at this period.

Asset Quality

StableQoQ +2
72
Sub-score

Asset quality is stable: Adjusted NPL 1.97%, Texas Ratio 10.2%, NCO YTD 0.59%.

Adjusted NPL
1.97%
Govt-guarantees stripped
Texas Ratio
10.2%
NCO YTD
0.59%
30-89 PD
2.13%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +3
63
Sub-score

Reserves are stable: ALLL 1.89% of loans, coverage 97.8%, true coverage 69.0%.

ALLL / Loans
1.89%
Coverage
97.8%
True Loss Coverage
69.0%
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