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Peoples State Bank

Rocksprings, TX · Cert 15939

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in TX3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

67

Q2 2024Q2 2026peer median (50)

Asset Quality

54

Q2 2024Q2 2026peer median (50)

Profitability

55

Q2 2024Q2 2026peer median (50)

Liquidity

15

Q2 2024Q2 2026peer median

Efficiency

94

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Peoples State Bank

Rocksprings, TX · Cert 15939

State charter, non-member · FDIC · 2 branches

Q2 2026

$140.0MAssets
$45.5MLoans
$126.5MDeposits
$13.2MEquity
Loan mix
91%RE $38.4M4%C&I $1.6M6%Consumer $2.4MQ2 2025Q2 2026
Deposit mix
59%Interest-bearing $74.4M41%Noninterest $52.0MQ2 2025Q2 2026

NIM

3.74%Q2 ’243.86%Q2 ’253.90%Q2 ’26+4%+7%

Non-interest income vs. expense

1.39%Q2 ’241.21%Q2 ’251.18%Q2 ’26-14%-4%

Executive Summary

  • Earnings: ROA of 1.42%, up 20 bps year over year; NIM at 2.91%.
  • Asset quality: problem loans at 0.10% of loans (0 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 11.02%, up 166 bps from a year ago.
  • Funding: loans stand at 35.94% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.42%+20 bps YoY

Net Interest Margin (YTD, annualized)

2.91%+18 bps YoY

Efficiency Ratio (YTD, annualized)

39.36%+797 bps YoY

Tier 1 Leverage Ratio

11.02%+166 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.23%1.27%1.29%1.35%1.42%+20 bps
Return on Equity18.30%17.76%17.20%15.01%15.54%-276 bps
Net Interest Margin2.72%2.88%2.84%2.78%2.91%+18 bps
Efficiency Ratio31.39%30.51%30.41%39.79%39.36%+797 bps
Non-Interest Burden1.13%1.17%1.14%1.05%1.08%-4 bps
Growth
Asset Growth (YoY)13.93%7.80%-19.26%-2.64%-6.75%-2,068 bps
Loan Growth (YoY)-8.75%-10.98%-9.20%-9.34%-5.16%+359 bps
Deposit Growth (YoY)12.53%6.85%-22.38%-4.52%-8.42%-2,095 bps
Asset Quality
Nonperforming Loans / Loans0.10%0.12%0.12%0.10%0.10%0 bps
Net Charge-Offs / Loans0.03%0.02%0.02%0.08%0.04%+1 bps
Allowance / Loans0.33%0.33%0.33%0.33%0.35%+1 bps
Allowance Coverage of NPLs3.4x2.8x2.7x3.2x3.4x0.0x
Capital
Tier 1 Leverage Ratio9.36%10.28%10.41%10.57%11.02%+166 bps
Total Risk-Based Capital25.35%27.36%27.70%29.48%29.28%+393 bps
Equity / Assets7.76%8.59%8.99%9.04%9.41%+165 bps
Liquidity & Funding
Loans / Deposits34.70%33.67%33.37%34.08%35.94%+124 bps
Liquid Assets / Assets10.47%11.62%10.84%10.11%7.59%-289 bps
CRE / Total Capitaln/a38.43%44.80%44.20%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Peoples State Bank

Rocksprings, TX · Cert 15939 · Peer group: banks under $1B in assets in TX (n=208-211)

State charter, non-member · FDIC · 2 branches

Q2 2026

$140.0MAssets
$45.5MLoans
$126.5MDeposits
$13.2MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 94% of banks under $1B in assets in TX (rank 14 of 211).
  • Widest gap: net interest margin trails 86% of banks under $1B in assets in TX (rank 182 of 211).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.46%

Rank 66 of 211

Net Interest Margin

2.91%

Rank 182 of 211

Efficiency Ratio

39.36%

Rank 14 of 211

Equity / Assets

9.41%

Rank 158 of 211

Non-interest income vs. expense

$0.1M$1.7MINCOMEEXPENSE
Unfavorable gap of $1.6M · efficiency ratio beats 94% of banks under $1B in assets in TX
Bank 39.36%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.46%0.87%1.20%1.65%Beats 69%66 / 211
Return on Equity15.47%7.52%11.67%14.58%Beats 81%41 / 211
Net Interest Margin2.91%3.28%3.82%4.31%Beats 14%182 / 211
Efficiency Ratio39.36%53.01%64.18%73.65%Beats 94%14 / 211
Asset Quality
Nonperforming Loans / Loans0.10%0.01%0.30%1.10%Beats 62%79 / 208
Net Charge-Offs / Loans0.02%0.00%0.01%0.06%Beats 45%116 / 208
Capital
Tier 1 Capital Ratio28.99%11.72%14.45%19.57%Beats 88%25 / 211
Total Risk-Based Capital Ratio29.28%11.94%14.78%20.30%Beats 88%26 / 211
Equity / Assets9.41%9.41%11.06%12.94%Beats 25%158 / 211
Liquidity & Funding
Loans / Deposits35.94%45.39%66.56%82.03%13th pctl182 / 208
Loans / Assets32.48%39.13%56.90%70.46%15th pctl179 / 211
Brokered Deposits / Depositsn/aNot reported for this institution