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
Unfavorable gap of $1.6M · efficiency ratio beats 94% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.46% | 0.87% | 1.20% | 1.65% | Beats 69% | 66 / 211 | | |
| Return on Equity | 15.47% | 7.52% | 11.67% | 14.58% | Beats 81% | 41 / 211 | | |
| Net Interest Margin | 2.91% | 3.28% | 3.82% | 4.31% | Beats 14% | 182 / 211 | | |
| Efficiency Ratio | 39.36% | 53.01% | 64.18% | 73.65% | Beats 94% | 14 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.10% | 0.01% | 0.30% | 1.10% | Beats 62% | 79 / 208 | | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.06% | Beats 45% | 116 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 28.99% | 11.72% | 14.45% | 19.57% | Beats 88% | 25 / 211 | | |
| Total Risk-Based Capital Ratio | 29.28% | 11.94% | 14.78% | 20.30% | Beats 88% | 26 / 211 | | |
| Equity / Assets | 9.41% | 9.41% | 11.06% | 12.94% | Beats 25% | 158 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 35.94% | 45.39% | 66.56% | 82.03% | 13th pctl | 182 / 208 | | |
| Loans / Assets | 32.48% | 39.13% | 56.90% | 70.46% | 15th pctl | 179 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |