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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2025-Q4QoQ -2

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

Quarterly Headline

2025-Q4

Bank #712648 2025-Q4 Vital Signs Score: 79/100 — 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 110.9% (threshold 100%).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.30% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↓ -2 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -9

The five pillars

Liquidity

StableQoQ 0
68
Sub-score

Liquidity is stable: brokered 2.1%, loans/deposits 110.9%, cash 5.2% of assets.

Cash / Assets
5.16%
Loans / Deposits
110.91%
Brokered %
2.10%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 110.9% (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
1.25%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 19.41%, CET1 19.41%, leverage 13.15%.

Tier 1 RBC
19.41%
CET1
19.41%
Leverage
13.15%
No watch items at this period.

Asset Quality

StableQoQ -1
71
Sub-score

Asset quality is stable: Adjusted NPL 2.30%, Texas Ratio 12.1%, NCO YTD 0.04%.

Adjusted NPL
2.30%
Govt-guarantees stripped
Texas Ratio
12.1%
NCO YTD
0.04%
30-89 PD
2.48%
Band 0.3% / 3.0%
90+ PD
0.08%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.30% (govt-guarantees stripped).

Reserves

WatchQoQ -9
54
Sub-score

Reserves are deteriorating: ALLL 1.85% of loans, coverage 81.8%, true coverage 58.1%.

ALLL / Loans
1.85%
Coverage
81.8%
True Loss Coverage
58.1%
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