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Peoples State Bank

$100M-$1B Specialty: Agricultural TX FDIC cert 15939

Rocksprings, TX

2 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 -8.4% year over year ($126.5M on the books).
  • Delinquency rate 0.10%.
  • Return on assets 1.81%.
  • Efficiency ratio 39.36% vs a 64.48% peer average.
  • Loan-to-deposit ratio 35.81% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

Peoples State Bank has 4 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 25.12% below tier average
  • + Non-Interest-Bearing Deposit Share 19.11% above tier average
  • + ROA 0.49% above tier average
  • + Delinquency Rate 0.82% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 5.7% in tier
  • - Cost Spiral: Bottom 8.0% in tier
  • - Non-Interest Income / Assets 0.51% below tier average
  • - Net Interest Margin 0.96% below tier average
Get updates when Peoples State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $140.0M
-6.7% YoY -1.9% QoQ
-$246.6M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
Bottom 11.4% in tier
Total Loans ? $45.3M
-5.2% YoY +3.1% QoQ
-$213.0M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
Bottom 2.2% in tier
Total Deposits ? $126.5M
-8.4% YoY -2.3% QoQ
-$200.3M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
Bottom 14.2% in tier
Return on Assets ? 1.81%
+16.1% YoY +5.1% QoQ
+0.49% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
81%
Net Interest Margin ? 3.03%
+9.9% YoY +4.5% QoQ
-0.96% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
Bottom 10.6% in tier
Efficiency Ratio ? 39.36%
+25.4% YoY -1.1% QoQ
-25.12% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
Top 3.4% in tier
Delinquency Rate ? 0.10%
+3.2% YoY -3.0% QoQ
-0.82% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
74%
Loan-to-Deposit Ratio ? 35.81%
+3.5% YoY +5.4% QoQ
-42.14% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
Top 2.9% in tier
Non-Interest-Bearing Deposit Share ? 41.14%
+15.1% YoY +1.5% QoQ
+19.11% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Top 3.9% in tier
Nonperforming Asset Ratio ? 0.03%
+5.0% YoY +1.9% QoQ
-0.64% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
81%
Tier 1 Capital Ratio ? 28.99%
+15.6% YoY -0.7% QoQ
+13.09% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
Top 4.5% in tier
Non-Interest Income / Assets ? 0.05%
+24.5% YoY +109.6% QoQ
-0.51% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
Bottom 6.0% in tier

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 41.1%
+5.4pp YoY
+0.6pp QoQ
 +19.0pp 22.1% 29.2% 22.2% 96%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 4.0%
-0.4pp YoY
+0.5pp QoQ
 -7.5pp 11.6% 14.8% 12.5% 14%
CRE n/a n/a 39.5% 48.4% 41.4% n/a
1-4 Family 28.8%
+1.1pp YoY
+0.9pp QoQ
 -3.8pp 32.6% 25.8% 31.3% 49%
Consumer 5.4%
+0.1pp 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 29.0%
+3.9pp YoY
-0.2pp QoQ
 +10.2pp 18.8% 22.7% 19.7% 92%
Leverage Ratio 11.0%
+1.7pp YoY
+0.4pp QoQ
 -1.2pp 12.2% 12.6% 12.6% 51%
Total Capital Ratio 29.3%
+3.9pp YoY
-0.2pp QoQ
 +9.3pp 19.9% 23.8% 20.8% 92%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 9
0 YoY
0 QoQ
 -50 58 186 482 0%
Assets per Employee ($) $15.6M
-6.7% YoY
-1.9% QoQ
 +$8.0M $7.5M $10.1M $8.8M 98%
Branch Count 2
0 YoY
0 QoQ
 -3 4 12 18 11%

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 0.1% -0.8pp 0.9% 1.0% 1.0% 19%
Allowance Coverage 3.41x
+0.3% YoY
+8.3% QoQ
 -20.74x 24.15x 18.82x 20.23x 62%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 64%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 19.8%
-3.5pp YoY
+0.7pp QoQ
 +7.6pp 12.2% 13.2% 11.6% 88%
Cost of Funds (YTD) 1.0%
-0.1pp YoY
0.0pp QoQ
 -0.7pp 1.7% 1.6% 1.7% 12%
Net Income ($, YTD) $1.3M
+4.2% YoY
— QoQ
 -$1.3M $2.6M $15.9M $40.4M 36%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Quality Pressure

risk
#72 of 1256 • Bottom 5.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.10%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Cost Spiral

risk
#12 of 138 • Bottom 8.0% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 39.36%
(Tier: 64.48%, National: 70.05%)
better than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

77
Loan-to-Deposit Ratio
liquidity
Value: 35.81%
Peer Median: 77.95%
#77 of 2643 Top 2.9% in $100M-$1B
91
Efficiency Ratio
profitability
Value: 39.36%
Peer Median: 64.48%
#91 of 2643 Top 3.4% in $100M-$1B
103
Non-Interest-Bearing Deposit Share
funding
Value: 41.14%
Peer Median: 22.03%
#103 of 2643 Top 3.9% in $100M-$1B
121
Tier 1 Capital Ratio
capital
Value: 28.99%
Peer Median: 15.91%
#121 of 2643 Top 4.5% in $100M-$1B
492
Nonperforming Asset Ratio
credit_quality
Value: 0.03%
Peer Median: 0.67%
#492 of 2643 Top 18.6% in $100M-$1B
516
Return on Assets
profitability
Value: 1.81%
Peer Median: 1.32%
#516 of 2643 Top 19.5% in $100M-$1B

Top Weaknesses (5 metrics)

2587
Total Loans
size
Value: $45.30M
Peer Median: $258.35M
#2587 of 2643 Bottom 2.2% in $100M-$1B
2486
Non-Interest Income / Assets
revenue_mix
Value: 0.05%
Peer Median: 0.57%
#2486 of 2643 Bottom 6.0% in $100M-$1B
2365
Net Interest Margin
profitability
Value: 3.03%
Peer Median: 3.99%
#2365 of 2643 Bottom 10.6% in $100M-$1B
2344
Total Assets
size
Value: $139.97M
Peer Median: $386.57M
#2344 of 2643 Bottom 11.4% in $100M-$1B
2268
Total Deposits
size
Value: $126.48M
Peer Median: $326.73M
#2268 of 2643 Bottom 14.2% in $100M-$1B
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