BanksPEOPLES STATE BANK

PEOPLES STATE BANK

ROCKSPRINGS, TXSmallEst. May 1, 1943, midnightFDIC #15939RSSD #660066FDIC
Latest · 2025-12-31

PEOPLES STATE BANK is an FDIC-insured commercial bank headquartered in ROCKSPRINGS, TX, established in May 1, 1943, midnight. As of 2025-12-31, the bank reported total assets of $148M and total deposits of $134M. Profitability stands at 1.73% ROA and 19.66% ROE, with a net interest margin of 3.12%. CET1 capital ratio: 27.44%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 2 domestic branches.

Assets
$148M
Deposits
$134M
Loans
$45M
Equity
$13M

Profitability

Return on Assets (ROA)1.73%
Return on Equity (ROE)19.66%
Net Interest Margin3.12%
Yield on Assets4.26%
Cost of Funds1.16%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.02%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans0.33%

Capital & Liquidity

CET1 Ratio27.44%
Tier 1 Capital27.44%
Total Capital Ratio27.70%
Leverage Ratio10.41%
Loan-to-Deposit33.37%

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