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Peoples State Bank

Shepherd, TX · Cert 10345 · 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
Loan mix
92%RE $92.5M3%C&I $2.5M5%Consumer $5.2MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $105.7M29%Noninterest $44.0MQ2 2025Q2 2026

NIM

4.34%Q2 ’244.81%Q2 ’255.03%Q2 ’26+3%+9%

Non-interest income vs. expense

2.77%Q2 ’242.91%Q2 ’252.96%Q2 ’26+5%+2%

Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 0.0% share · #76 of 107 inst. · $0.1B of $360.4B

67.2% San Jacinto
2.5% Polk

Executive Summary

  • Earnings: ROA of 1.36%, up 24 bps year over year; NIM at 3.94%.
  • Asset quality: problem loans at 1.25% of loans (+125 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.66%, up 33 bps from a year ago.
  • Funding: loans stand at 68.06% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.36%+24 bps YoY

Net Interest Margin (YTD, annualized)

3.94%+32 bps YoY

Efficiency Ratio (YTD, annualized)

63.93%-345 bps YoY

Tier 1 Leverage Ratio

10.66%+33 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.12%0.84%1.01%1.40%1.36%+24 bps
Return on Equity15.70%11.36%13.46%16.86%16.12%+41 bps
Net Interest Margin3.63%3.56%3.62%3.93%3.94%+32 bps
Efficiency Ratio67.39%67.92%66.97%61.51%63.93%-345 bps
Non-Interest Burden2.22%2.20%2.21%2.15%2.27%+5 bps
Growth
Asset Growth (YoY)0.80%2.56%12.17%3.38%3.41%+261 bps
Loan Growth (YoY)24.87%24.71%24.16%20.36%13.41%-1,146 bps
Deposit Growth (YoY)-7.50%-6.31%4.87%-1.31%-0.73%+677 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%1.31%1.27%1.25%+125 bps
Net Charge-Offs / Loans0.01%0.00%0.01%0.00%0.00%-1 bps
Allowance / Loans0.70%1.05%1.04%1.01%1.01%+31 bps
Allowance Coverage of NPLsn/an/a0.8x0.8x0.8xn/a
Capital
Tier 1 Leverage Ratio10.34%10.02%10.16%10.36%10.66%+33 bps
Total Risk-Based Capital18.97%19.13%19.24%19.59%19.65%+68 bps
Equity / Assets7.52%8.05%8.04%8.54%8.76%+124 bps
Liquidity & Funding
Loans / Deposits59.58%63.51%59.61%62.21%68.06%+848 bps
Liquid Assets / Assets1.78%1.17%6.80%2.73%2.88%+110 bps
CRE / Total Capitaln/a261%263%250%n/an/a