Plains State Bank
Humble, TX · Cert 17739 · Peer group: banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=21) · Plains Acquisition Corp.
State charter, non-member · FDIC · 7 branches
Q2 2026
$828.4MAssets
$622.2MLoans
$685.8MDeposits
$136.9MEquity
Executive Summary
- Strongest standing: return on assets outperforms 86% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 3 of 21).
- Widest gap: nonperforming loans / loans trails 86% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 19 of 21).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.68%
Rank 3 of 21
Net Interest Margin
4.41%
Rank 6 of 21
Efficiency Ratio
55.02%
Rank 4 of 21
Equity / Assets
16.53%
Rank 5 of 21
Non-interest income vs. expense
Unfavorable gap of $20.0M · efficiency ratio beats 86% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.68% | 0.77% | 1.16% | 1.46% | Beats 86% | 3 / 21 | | |
| Return on Equity | 10.18% | 6.66% | 8.42% | 15.66% | Beats 57% | 9 / 21 | | |
| Net Interest Margin | 4.41% | 3.50% | 3.97% | 4.41% | Beats 71% | 6 / 21 | | |
| Efficiency Ratio | 55.02% | 59.33% | 68.18% | 79.00% | Beats 86% | 4 / 21 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 4.41% | 0.01% | 0.37% | 1.25% | Beats 14% | 19 / 21 | | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.01% | 0.05% | Beats 38% | 14 / 21 | | |
| Capital |
| Tier 1 Capital Ratio | 16.47% | 12.65% | 15.76% | 18.38% | Beats 52% | 10 / 21 | | |
| Total Risk-Based Capital Ratio | 16.47% | 12.65% | 16.68% | 19.63% | Beats 43% | 12 / 21 | | |
| Equity / Assets | 16.53% | 9.08% | 11.30% | 15.80% | Beats 76% | 5 / 21 | | |
| Liquidity & Funding |
| Loans / Deposits | 90.73% | 64.96% | 78.30% | 90.30% | 76th pctl | 5 / 21 | | |
| Loans / Assets | 75.10% | 55.83% | 65.86% | 74.20% | 81st pctl | 4 / 21 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |