BlastPoint's Banking Scorecard
Peoples State Bank
Shepherd, TX
3 branches across TX
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
- Deposits -0.7% year over year ($149.7M on the books).
- Delinquency rate 1.26%.
- Return on assets 1.36%.
- Efficiency ratio 63.93% vs a 64.48% peer average.
- Loan-to-deposit ratio 67.37% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Peoples State Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.38% above tier average
- + Efficiency Ratio 0.54% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.34% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$181.2M
+3.4% YoY
-0.7% QoQ
|
-$205.4M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
22% |
| Total Loans ? |
$100.9M
+13.1% YoY
+1.6% QoQ
|
-$157.5M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
19% |
| Total Deposits ? |
$149.7M
-0.7% YoY
-7.1% QoQ
|
-$177.0M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
22% |
| Return on Assets ? |
1.36%
+21.1% YoY
-2.6% QoQ
|
+0.04% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
57% |
| Net Interest Margin ? |
4.37%
+6.5% YoY
+0.2% QoQ
|
+0.38% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
74% |
| Efficiency Ratio ? |
63.93%
-5.1% YoY
+3.9% QoQ
|
-0.54% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
46% |
| Delinquency Rate ? |
1.26%
-1.6% QoQ
|
+0.34% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
67.37%
+13.9% YoY
+9.4% QoQ
|
-10.58% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
29.38%
+5.0% YoY
+1.0% QoQ
|
+7.35% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
80% |
| Nonperforming Asset Ratio ? |
0.70%
+0.7% QoQ
|
+0.03% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
30% |
| Tier 1 Capital Ratio ? |
18.62%
+1.8% YoY
+0.4% QoQ
|
+2.72% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.36%
+1.7% YoY
+100.8% QoQ
|
-0.21% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
81% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
29.4%
+1.4pp YoY +0.3pp QoQ |
+7.2pp | 22.1% | 29.2% | 22.2% | 80% |
| Brokered Deposits |
3.2%
-3.2pp YoY -1.3pp QoQ |
-4.7pp | 7.9% | 8.0% | 8.5% | 40% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
3.0%
-0.2pp YoY +0.5pp QoQ |
-8.5pp | 11.6% | 14.8% | 12.5% | 10% |
| CRE | n/a | n/a | 39.5% | 48.4% | 41.4% | n/a |
| 1-4 Family |
35.6%
+2.4pp YoY -2.9pp QoQ |
+3.0pp | 32.6% | 25.8% | 31.3% | 63% |
| Consumer |
5.3%
-0.8pp YoY +0.1pp QoQ |
+1.2pp | 4.1% | 4.7% | 5.0% | 79% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
18.6%
+0.3pp YoY +0.1pp QoQ |
-0.2pp | 18.8% | 22.7% | 19.7% | 72% |
| Leverage Ratio |
10.7%
+0.3pp YoY +0.3pp QoQ |
-1.5pp | 12.2% | 12.6% | 12.6% | 44% |
| Total Capital Ratio |
19.6%
+0.7pp YoY +0.1pp QoQ |
-0.3pp | 19.9% | 23.8% | 20.8% | 72% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
33
-1 (-2.9%) YoY -2 (-5.7%) QoQ |
-26 | 58 | 186 | 482 | 31% |
| Assets per Employee ($) |
$5.5M
+6.5% YoY +5.3% QoQ |
-$2.0M | $7.5M | $10.1M | $8.8M | 22% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 12 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
1.3%
0.0pp QoQ |
+0.3pp | 0.9% | 1.0% | 1.0% | 77% |
| Allowance Coverage |
0.81x
+1.5% QoQ |
-23.34x | 24.15x | 18.82x | 20.23x | 21% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.1%
+0.4pp YoY -0.7pp QoQ |
+3.9pp | 12.2% | 13.2% | 11.6% | 74% |
| Cost of Funds (YTD) |
1.2%
-0.1pp YoY +0.1pp QoQ |
-0.5pp | 1.7% | 1.6% | 1.7% | 19% |
| Net Income ($, YTD) |
$1.2M
+28.6% YoY — QoQ |
-$1.3M | $2.6M | $15.9M | $40.4M | 34% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.