PackageTrendsPeer
Letter portraitLegal landscape

Peoples State Bank, Tulsa, Oklahoma

Tulsa, OK · Cert 9882

FDIC · 2 branches

Q2 2020

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2020, the quarter ended June 30, 2020, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Peoples State Bank, Tulsa, Oklahoma

Tulsa, OK · Cert 9882

FDIC · 2 branches

Q2 2020

$106.6MAssets
$79.2MLoans
$87.9MDeposits
$18.5MEquity
Loan mix
53%RE $37.1M39%C&I $27.1M8%Consumer $5.9MQ2 2019Q2 2020
Deposit mix
55%Interest-bearing $48.0M45%Noninterest $39.9MQ2 2019Q2 2020

NIM

4.91%Q2 ’185.27%Q2 ’195.11%Q2 ’20+14%-1%

Non-interest income vs. expense

3.49%Q2 ’183.20%Q2 ’193.06%Q2 ’20-5%+1%

Market Position · Tulsa, OK · 2020 SOD (annual) · 0.3% share · #40 of 59 inst. · $0.1B of $35.0B

Executive Summary

  • Earnings: ROA of 0.99%, down 27 bps year over year; NIM at 4.99%.
  • Asset quality: problem loans at 0.23% of loans (-2 bps YoY), with net charge-offs at 0.22%.
  • Capital: tier 1 leverage ratio of 12.04%, up 63 bps from a year ago.
  • Funding: loans stand at 90.10% of deposits as of Q2 2020.

Financial Results

Return on Assets (YTD, annualized)

0.99%-27 bps YoY

Net Interest Margin (YTD, annualized)

4.99%-5 bps YoY

Efficiency Ratio (YTD, annualized)

55.51%-324 bps YoY

Tier 1 Leverage Ratio

12.04%+63 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2019Q3 2019Q4 2019Q1 2020Q2 2020YoY ΔTrend
Earnings
Return on Assets1.27%1.36%1.22%0.53%0.99%-27 bps
Return on Equity8.05%8.39%7.34%2.86%5.48%-257 bps
Net Interest Margin5.04%5.20%5.32%4.72%4.99%-5 bps
Efficiency Ratio58.76%57.80%59.90%71.96%55.51%-324 bps
Non-Interest Burden2.51%2.53%2.70%3.01%2.54%+3 bps
Growth
Asset Growth (YoY)-6.60%-16.45%-12.07%-10.60%1.03%+762 bps
Loan Growth (YoY)-9.60%-12.09%-13.04%-11.42%-5.55%+404 bps
Deposit Growth (YoY)-11.74%-18.06%-15.64%-13.71%-0.02%+1,172 bps
Asset Quality
Nonperforming Loans / Loans0.26%0.19%0.36%0.42%0.23%-2 bps
Net Charge-Offs / Loans0.13%0.24%0.38%0.19%0.22%+9 bps
Allowance / Loans0.59%0.78%0.88%1.12%1.63%+104 bps
Allowance Coverage of NPLs2.3x4.2x2.5x2.7x6.9x+4.6x
Capital
Tier 1 Leverage Ratio11.41%12.26%13.07%13.36%12.04%+63 bps
Total Risk-Based Capital14.02%15.06%15.88%16.59%17.99%+396 bps
Equity / Assets16.48%17.72%18.70%18.35%17.33%+85 bps
Liquidity & Funding
Loans / Deposits95.38%98.31%101.37%95.68%90.10%-528 bps
Liquid Assets / Assets4.34%1.58%1.44%4.75%11.07%+673 bps
CRE / Total Capitaln/an/an/an/an/an/an/a