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Plains State Bank

$100M-$1B Specialty: Commercial TX FDIC cert 17739

Humble, TX

8 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

Plains State Bank has 3 strengths but faces 7 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

  • + ROA 0.19% above tier average
  • + Net Interest Margin 0.44% above tier average
  • + Efficiency Ratio 7.71% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 3.0% in tier
  • - Liquidity Overhang: Bottom 34.0% in tier
  • - Deposit Outflow: Bottom 35.2% in tier
  • - Capital Constraint: Bottom 46.3% in tier
  • - Delinquency Rate 1.58% above tier average
  • - Nonperforming Asset Ratio 1.16% above tier average
  • - Non-Interest Income / Assets 0.26% below tier average
Get updates when Plains State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $840.0M
-9.4% YoY -4.8% QoQ
+$453.9M $386.1M
+0.5% YoY
$2.3B
+1.1% YoY
$6.2B
+9.1% YoY
Top 6.5% in tier
Total Loans ? $614.0M
-2.9% YoY -4.0% QoQ
+$358.3M $255.7M
+1.1% YoY
$1.1B
+10.2% YoY
$3.2B
+10.8% YoY
Top 5.3% in tier
Total Deposits ? $681.4M
-13.1% YoY -5.8% QoQ
+$353.4M $328.0M
+0.1% YoY
$1.9B
+3.3% YoY
$4.8B
+8.2% YoY
Top 8.1% in tier
Return on Assets ? 1.46%
-6.7% YoY -34.9% QoQ
+0.19% 1.27%
+12.9% YoY
1.40%
+10.3% YoY
1.23%
+13.4% YoY
66%
Net Interest Margin ? 4.37%
-0.8% YoY -7.7% QoQ
+0.44% 3.93%
+6.0% YoY
4.03%
+2.6% YoY
3.89%
+5.7% YoY
77%
Efficiency Ratio ? 57.58%
+0.2% YoY +17.9% QoQ
-7.71% 65.29%
-4.5% YoY
63.18%
-2.3% YoY
66.95%
-4.1% YoY
67%
Delinquency Rate ? 2.46%
+396.5% YoY +12.3% QoQ
+1.58% 0.89%
+18.8% YoY
0.96%
+36.6% YoY
0.95%
+18.8% YoY
Bottom 8.4% in tier
Loan-to-Deposit Ratio ? 90.12%
+11.7% YoY +1.9% QoQ
+13.48% 76.64%
+0.8% YoY
67.20%
-0.8% YoY
76.70%
+0.9% YoY
24%
Non-Interest-Bearing Deposit Share ? 22.07%
+4.9% YoY +13.0% QoQ
+0.05% 22.02%
-1.0% YoY
29.02%
-1.0% YoY
22.01%
-1.2% YoY
54%
Nonperforming Asset Ratio ? 1.80%
+402.5% YoY +13.2% QoQ
+1.16% 0.64%
+19.7% YoY
0.62%
+31.5% YoY
0.67%
+19.3% YoY
Bottom 8.3% in tier
Tier 1 Capital Ratio ? 17.30%
+17.1% YoY -2.8% QoQ
+1.47% 15.83%
+1.5% YoY
18.04%
+0.0% YoY
17.06%
+0.8% YoY
78%
Non-Interest Income / Assets ? 0.02%
-87.3% YoY -98.4% QoQ
-0.26% 0.28%
+9.3% YoY
0.20%
+4.0% YoY
0.32%
+4.1% YoY
Bottom 3.0% in tier

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 (4)

Liquidity Strain

risk
#20 of 643 • Bottom 3.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 90.12%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
643 of 643 Community banks match · 1013 nationally
→ Stable -50 banks QoQ

Liquidity Overhang

risk
#252 of 739 • Bottom 34.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 17.30%
(Tier: 15.83%, National: 17.06%)
better than tier avg
Loan-to-Deposit Ratio: 90.12%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
739 of 739 Community banks match · 939 nationally
→ Stable +13 banks QoQ | QoQ rank improving

Deposit Outflow

decline
#179 of 506 • Bottom 35.2% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally
→ Stable -8 banks QoQ | QoQ rank declining

Capital Constraint

risk
#51 of 108 • Bottom 46.3% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 90.12%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
Tier 1 Capital Ratio: 17.30%
(Tier: 15.83%, National: 17.06%)
better than tier avg
108 of 108 Community banks match · 148 nationally
↑ Growing +19 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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

143
Total Loans
size
Value: $614.04M
Peer Median: $255.72M
#143 of 2664 Top 5.3% in $100M-$1B
174
Total Assets
size
Value: $839.99M
Peer Median: $386.08M
#174 of 2664 Top 6.5% in $100M-$1B
217
Total Deposits
size
Value: $681.36M
Peer Median: $327.97M
#217 of 2664 Top 8.1% in $100M-$1B
584
Tier 1 Capital Ratio
capital
Value: 17.30%
Peer Median: 15.83%
#584 of 2664 Top 21.9% in $100M-$1B
625
Net Interest Margin
profitability
Value: 4.37%
Peer Median: 3.93%
#625 of 2664 Top 23.4% in $100M-$1B

Top Weaknesses (4 metrics)

2586
Non-Interest Income / Assets
revenue_mix
Value: 0.02%
Peer Median: 0.28%
#2586 of 2664 Bottom 3.0% in $100M-$1B
2443
Nonperforming Asset Ratio
credit_quality
Value: 1.80%
Peer Median: 0.64%
#2443 of 2664 Bottom 8.3% in $100M-$1B
2431
Delinquency Rate
credit_quality
Value: 2.46%
Peer Median: 0.89%
#2431 of 2654 Bottom 8.4% in $100M-$1B
2026
Loan-to-Deposit Ratio
liquidity
Value: 90.12%
Peer Median: 76.64%
#2026 of 2664 Bottom 24.0% in $100M-$1B
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