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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

3.93%Q2 ’243.91%Q2 ’253.96%Q2 ’26-5%+11%

Non-interest income vs. expense

1.42%Q2 ’241.16%Q2 ’251.21%Q2 ’26-19%+3%

Executive Summary

  • Earnings: ROA of 1.50%, up 13 bps year over year; NIM at 3.00%.
  • Asset quality: problem loans at 0.10% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • 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 (quarter, annualized)

1.50%+13 bps YoY

Net Interest Margin (quarter, annualized)

3.00%+29 bps YoY

Efficiency Ratio (quarter, annualized)

38.95%+2,082 bps YoY

Tier 1 Leverage Ratio

11.02%+166 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.36%1.37%1.36%1.35%1.50%+13 bps
Return on Equity18.12%16.79%15.51%15.01%16.22%-190 bps
Net Interest Margin2.71%2.82%2.83%2.78%3.00%+29 bps
Efficiency Ratio18.13%28.72%30.11%39.79%38.95%+2,082 bps
Non-Interest Burden1.08%1.09%1.11%1.05%1.11%+3 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 / Loans0.00%0.00%0.04%0.08%0.00%0 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