PLAINS STATE BANK

HUMBLE, TX | Medium | Est. April 6, 1957, midnight | FDIC #17739 | RSSD #972862 | FDIC
Latest Report: 2025-12-31

PLAINS STATE BANK is amn medium FDIC-insured commercial bank headquartered in HUMBLE, TX, established in April 6, 1957, midnight. As of 2025-12-31, the bank reported total assets of $882M and total deposits of $724M. Profitability stands at 3.34% ROA and 19.16% ROE, with a net interest margin of 5.08%. The bank's CET1 capital ratio is 17.08%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.16% and a Texas Ratio of 8.54%. FDIC Certificate #17739.

Assets

$882M

Deposits

$724M

Loans

$650M

Equity

$154M

Profitability

Return on Assets (ROA) 3.34%
Return on Equity (ROE) 19.16%
Net Interest Margin (NIM) 5.08%
Yield on Assets 7.24%
Cost of Funds 2.42%

Asset Quality

NPL Ratio 2.16%
Net Charge-Off Ratio -0.09%
Texas Ratio 8.54%
NPA Ratio 1.59%
ACL / Loans 1.55%

Capital & Liquidity

CET1 Ratio 17.08%
Tier 1 Capital 17.08%
Total Capital Ratio 17.93%
Leverage Ratio 17.80%
Loan-to-Deposit 89.80%

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