Peoples State Bank

Shepherd, TX · Cert 10345 · Peer group: banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=21) · Odom Amtex Holdings Trust the

State charter, non-member · FDIC · 2 affiliate banks · 3 branches (7 in holding)

Q2 2026

$181.2MAssets

$101.9MLoans

$149.7MDeposits

$15.9MEquity

Executive Summary

Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 9 of 21).
Widest gap: equity / assets trails 90% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 19 of 21).
Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.38%

Rank 8 of 21

Net Interest Margin

3.94%

Rank 12 of 21

Efficiency Ratio

63.93%

Rank 9 of 21

Equity / Assets

8.76%

Rank 19 of 21

Non-interest income vs. expense

Unfavorable gap of $4.3M · efficiency ratio beats 62% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	1.38%	0.77%	1.16%	1.46%	Beats 62%	8 / 21
Return on Equity	15.74%	6.66%	8.42%	15.66%	Beats 76%	5 / 21
Net Interest Margin	3.94%	3.50%	3.97%	4.41%	Beats 43%	12 / 21
Efficiency Ratio	63.93%	59.33%	68.18%	79.00%	Beats 62%	9 / 21
Asset Quality
Nonperforming Loans / Loans	1.25%	0.01%	0.37%	1.25%	Beats 29%	16 / 21
Net Charge-Offs / Loans	0.00%	n/a	0.01%	0.05%	Beats 100%	9 / 21
Capital
Tier 1 Capital Ratio	18.62%	12.65%	15.76%	18.38%	Beats 76%	5 / 21
Total Risk-Based Capital Ratio	19.65%	12.65%	16.68%	19.63%	Beats 76%	5 / 21
Equity / Assets	8.76%	9.08%	11.30%	15.80%	Beats 10%	19 / 21
Liquidity & Funding
Loans / Deposits	68.06%	64.96%	78.30%	90.30%	29th pctl	15 / 21
Loans / Assets	56.25%	55.83%	65.86%	74.20%	29th pctl	15 / 21
Brokered Deposits / Deposits	n/a	Not reported for this institution