Bank Comparison
West Texas State Bank vs Peoples State Bank of Plainview
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 9
winning metrics across 19 comparable rows
Capital adequacy
| Metric | West Texas State Bank | Peoples State Bank of Plainview |
|---|---|---|
| CET1 Ratio | — | 12.95% |
| Tier 1 Capital Ratio | — | 12.95% |
| Total Capital Ratio | — | 14.13% |
| Tier 1 Leverage Ratio | 10.55% | 8.82% |
| Equity / Assets | 10.72% | 6.76% |
Profitability
| Metric | West Texas State Bank | Peoples State Bank of Plainview |
|---|---|---|
| Return on Assets (ROA) | 1.84% | 1.66% |
| Return on Equity (ROE) | 17.43% | 24.46% |
| Net Interest Margin (NIM) | 4.37% | 3.59% |
| Yield on Earning Assets | 6.73% | 5.46% |
| Cost of Funds | 2.60% | 1.99% |
Asset quality
| Metric | West Texas State Bank | Peoples State Bank of Plainview |
|---|---|---|
| Texas Ratio | 19.00% | 10.69% |
| Non-Performing Loan Ratio | 1.59% | 1.14% |
| Non-Performing Asset Ratio | 1.93% | 0.81% |
| Net Charge-Off Ratio | 0.05% | 0.01% |
| ACL / Loans | 1.42% | 1.13% |
Balance sheet
| Metric | West Texas State Bank | Peoples State Bank of Plainview |
|---|---|---|
| Total Assets | $407,215K | $406,516K |
| Total Deposits | $359,838K | $370,603K |
| Total Loans | $263,648K | $287,448K |
| Total Equity | $43,644K | $27,495K |
| Net Income (quarter) | $1,872K | $1,692K |
Liquidity & funding
| Metric | West Texas State Bank | Peoples State Bank of Plainview |
|---|---|---|
| Loan-to-Deposit Ratio | 73.27% | 77.56% |
| Core Deposit Ratio | 75.73% | 90.63% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | West Texas State Bank | Peoples State Bank of Plainview |
|---|---|---|
| Headquarters City | SNYDER | PLAINVIEW |
| Headquarters State | TX | MN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 6 | 6 |
| Employees (FTE) | 58 | 45 |
| Established | Jan. 14, 1950, midnight | June 29, 1925, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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