Peoples State Bank
Blair, OK · Cert 17138 · Peer group: banks under $1B in assets in OK (n=87-88)
State charter, non-member · FDIC · 1 branch
Q2 2026
$13.9MAssets
$9.8MLoans
$12.1MDeposits
$1.8MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in OK (rank 11 of 87).
- Widest gap: efficiency ratio trails 84% of banks under $1B in assets in OK (rank 75 of 88).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.98%
Rank 61 of 88
Net Interest Margin
5.84%
Rank 2 of 88
Efficiency Ratio
80.67%
Rank 75 of 88
Equity / Assets
13.01%
Rank 26 of 88
Non-interest income vs. expense
Unfavorable gap of $636K · efficiency ratio beats 16% of banks under $1B in assets in OK | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.98% | 0.85% | 1.26% | 1.62% | Beats 31% | 61 / 88 | |
| Return on Equity | 7.55% | 7.40% | 11.89% | 14.66% | Beats 26% | 65 / 88 | |
| Net Interest Margin | 5.84% | 3.51% | 3.93% | 4.47% | Beats 98% | 2 / 88 | |
| Efficiency Ratio | 80.67% | 54.70% | 61.50% | 71.28% | Beats 16% | 75 / 88 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.30% | 0.82% | 2.25% | Beats 100% | 11 / 87 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.03% | 0.20% | Beats 64% | 32 / 87 | |
| Capital |
| Tier 1 Capital Ratio | 13.04% | 10.89% | 13.04% | 16.40% | Beats 50% | 44 / 88 | |
| Total Risk-Based Capital Ratio | 13.04% | 11.20% | 13.09% | 16.43% | Beats 48% | 46 / 88 | |
| Equity / Assets | 13.01% | 9.26% | 10.95% | 13.63% | Beats 70% | 26 / 88 | |
| Liquidity & Funding |
| Loans / Deposits | 80.67% | 60.39% | 72.27% | 84.01% | 66th pctl | 30 / 87 | |
| Loans / Assets | 70.13% | 52.51% | 63.37% | 71.46% | 66th pctl | 30 / 88 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |