BlastPoint's Banking Scorecard
Peoples State Bank
Rocksprings, TX
2 branches across TX
Peoples State Bank has 4 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 25.50% below tier average
- + Non-Interest-Bearing Deposit Share 18.50% above tier average
- + ROA 0.45% above tier average
- + Delinquency Rate 0.78% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 5.2% in tier
- - Net Interest Margin 1.04% below tier average
- - Non-Interest Income / Assets 0.26% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$142.6M
-2.6% YoY
-3.5% QoQ
|
-$243.5M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
Bottom 12.0% in tier |
| Total Loans ? |
$44.0M
-9.3% YoY
-1.6% QoQ
|
-$211.8M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
Bottom 2.0% in tier |
| Total Deposits ? |
$129.4M
-4.5% YoY
-3.6% QoQ
|
-$198.5M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
15% |
| Return on Assets ? |
1.72%
+17.4% YoY
+5.4% QoQ
|
+0.45% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
79% |
| Net Interest Margin ? |
2.89%
+8.6% YoY
+2.7% QoQ
|
-1.04% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Bottom 8.4% in tier |
| Efficiency Ratio ? |
39.79%
-10.7% YoY
+30.8% QoQ
|
-25.50% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
Top 3.9% in tier |
| Delinquency Rate ? |
0.10%
+5.7% YoY
-13.5% QoQ
|
-0.78% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
73% |
| Loan-to-Deposit Ratio ? |
33.96%
-5.0% YoY
+2.1% QoQ
|
-42.67% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
Top 2.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
40.52%
+12.2% YoY
-4.3% QoQ
|
+18.50% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 4.3% in tier |
| Nonperforming Asset Ratio ? |
0.03%
-1.6% YoY
-11.7% QoQ
|
-0.61% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
81% |
| Tier 1 Capital Ratio ? |
29.21%
+27.0% YoY
+6.4% QoQ
|
+13.38% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Top 4.3% in tier |
| Non-Interest Income / Assets ? |
0.02%
+19.8% YoY
-72.3% QoQ
|
-0.26% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 5.6% in tier |
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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 (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.