PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 $2.4MQ3 2024Q2 2026
Deposit mix
59%Interest-bearing $74.4M41%Noninterest $52.0MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.17%1.04%1.15%1.23%1.27%1.29%1.35%1.42%+20 bps
Return on Equity17.39%16.34%18.58%18.30%17.76%17.20%15.01%15.54%-276 bps
Net Interest Margin2.79%2.70%2.83%2.72%2.88%2.84%2.78%2.91%+18 bps
Efficiency Ratio50.22%52.09%44.55%31.39%30.51%30.41%39.79%39.36%+797 bps
Non-Interest Burden1.36%1.36%1.22%1.13%1.17%1.14%1.05%1.08%-4 bps
Growth
Asset Growth (YoY)18.77%52.45%8.12%13.93%7.80%-19.26%-2.64%-6.75%-2,068 bps
Loan Growth (YoY)-3.62%-6.73%-5.23%-8.75%-10.98%-9.20%-9.34%-5.16%+359 bps
Deposit Growth (YoY)15.77%54.58%6.62%12.53%6.85%-22.38%-4.52%-8.42%-2,095 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.10%0.10%0.12%0.12%0.10%0.10%0 bps
Net Charge-Offs / Loans0.00%0.00%0.05%0.03%0.02%0.02%0.08%0.04%+1 bps
Allowance / Loans0.33%0.33%0.34%0.33%0.33%0.33%0.33%0.35%+1 bps
Allowance Coverage of NPLsn/an/a3.4x3.4x2.8x2.7x3.2x3.4x0.0x
Capital
Tier 1 Leverage Ratio10.23%10.11%9.39%9.36%10.28%10.41%10.57%11.02%+166 bps
Total Risk-Based Capital19.92%19.15%23.26%25.35%27.36%27.70%29.48%29.28%+393 bps
Equity / Assets7.78%5.37%7.26%7.76%8.59%8.99%9.04%9.41%+165 bps
Liquidity & Funding
Loans / Deposits40.41%28.52%35.89%34.70%33.67%33.37%34.08%35.94%+124 bps
Liquid Assets / Assets10.53%35.02%11.00%10.47%11.62%10.84%10.11%7.59%-289 bps
CRE / Total Capitaln/an/an/an/a38.43%44.80%44.20%n/an/a