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Pearland State Bank

Pearland, TX · Cert 18132 · Peer group: banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=26-27)

FDIC · 1 branch

Q4 2024

$188.9MAssets
$45.9MLoans
$177.9MDeposits
$10.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 7 of 27).
  • Widest gap: net interest margin trails 85% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 23 of 27).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.55%

Rank 18 of 27

Net Interest Margin

2.07%

Rank 23 of 27

Efficiency Ratio

73.46%

Rank 13 of 27

Equity / Assets

5.49%

Rank 22 of 27

Non-interest income vs. expense

$0.7M$3.5MINCOMEEXPENSE
Unfavorable gap of $2.8M · efficiency ratio beats 56% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area
Bank 73.46%Peer median 74.7%Q2 2024Q4 2024Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.55%0.37%1.03%1.49%Beats 33%18 / 27
Return on Equity10.05%4.82%9.12%14.71%Beats 54%12 / 26
Net Interest Margin2.07%2.36%3.18%4.47%Beats 15%23 / 27
Efficiency Ratio73.46%55.69%74.74%90.88%Beats 56%13 / 27
Asset Quality
Nonperforming Loans / Loans0.35%n/a0.11%0.53%Beats 37%18 / 27
Net Charge-Offs / Loans0.00%0.00%0.02%0.24%Beats 100%7 / 27
Capital
Tier 1 Capital Ratio12.38%12.38%15.59%19.52%Beats 22%21 / 27
Total Risk-Based Capital Ratio12.38%12.38%15.59%20.20%Beats 22%21 / 27
Equity / Assets5.49%6.82%10.13%13.56%Beats 19%22 / 27
Liquidity & Funding
Loans / Deposits25.83%39.37%76.58%94.47%11th pctl24 / 27
Loans / Assets24.32%37.84%67.75%78.47%7th pctl25 / 27
Brokered Deposits / Depositsn/aNot reported for this institution