PLAINS STATE BANK
PLAINS STATE BANK is an FDIC-insured commercial bank headquartered in HUMBLE, TX, established in 1957. As of , 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 4.70%. CET1 capital ratio: 17.34%, well above regulatory minimums. NPL ratio: 2.16% · Texas Ratio: 8.54%. Operates 7 domestic branches.
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 17.34% | 3.34% | 2.16% | 8.54% | 4.70% |
| 2025-09-30 | 16.65% | 2.09% | 1.74% | 7.61% | 4.81% |
| 2025-06-30 | 15.82% | 2.03% | 1.60% | 7.19% | 4.78% |
| 2025-03-31 | 13.99% | 1.57% | 0.49% | 2.30% | 4.35% |
| 2024-12-31 | 14.85% | 2.33% | 0.64% | 3.09% | 4.93% |
| 2024-09-30 | 14.35% | 2.06% | 0.70% | 3.42% | 5.07% |
| 2024-06-30 | 14.17% | 2.20% | 1.34% | 6.23% | 5.18% |
| 2024-03-31 | 14.01% | 1.84% | 1.18% | 5.73% | 4.90% |
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Frequently asked about PLAINS STATE BANK
What are Plains State Bank's total assets?
As of the Q4 2025 filing, Plains State Bank reported total assets of $882.4 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Plains State Bank headquartered?
Plains State Bank is headquartered in HUMBLE, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Plains State Bank founded?
Plains State Bank was established in 1957, per the FDIC institution directory.
Is Plains State Bank FDIC-insured?
Yes. Plains State Bank is an FDIC-insured commercial bank (FDIC Certificate #17739). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Plains State Bank?
Plains State Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Plains State Bank's CET1 capital ratio?
Plains State Bank reported a Common Equity Tier 1 (CET1) capital ratio of 17.34% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Plains State Bank operate?
Plains State Bank operates 7 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Plains State Bank's Texas Ratio?
Plains State Bank's Texas Ratio is 8.54% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.