Peoples State Bank (Shepherd, TX)
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Data as of · sourced from FFIEC call reports. How we update
Peoples State Bank is an FDIC-insured commercial bank headquartered in Shepherd, TX, established in 1921 (FDIC certificate 10345), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $181.2M, up 3.4% from Q2 2025, the 263rd largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 18.62% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10345
- Headquarters
- Shepherd, TX
- Established
- 1921
- Total assets, Q2 2026
- $181.2M
- Assets vs Q2 2025
- +3.4%
- CET1 ratio, Q2 2026
- 18.62%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 113120291
- Holding company
- AMTEX BANCSHARES, INC.
- Asset rank in state
- 263rd of 346 in Texas
Problem loans are rising at Peoples State Bank. Based in Shepherd, Texas, it had $181 million in assets at June 30, 2026, up 3.4% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.25% of loans from 0.00% a year earlier. It grew its loan book 13.4% over the year, 2.5 times the median of 5.5% for the 2,660 banks with $100 million to $1 billion in assets. It also pays an average of 1.29% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.80%).
Loans and deposits moved in opposite directions: over the year loans rose 13.4% and deposits fell 0.7%. Delinquency has appeared in its $14 million non-owner-occupied commercial real estate book: 9.28% of those loans are past due or on nonaccrual, against almost none a year earlier. Credit is the area to watch: it carries problem assets equal to 7.5% of the capital and reserves that would absorb them, about triple the median of 2.6% for banks its size.
As of June 30, 2026, Peoples State Bank reported a CET1 capital ratio of 18.62%, a return on assets of 1.29%, a nonperforming-loan ratio of 1.25% and a Texas ratio of 7.51%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Peoples State Bank is the 263rd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.7% to $181.2M, loans rose 1.6% and deposits fell 7.1%. 1-4 family residential loans made up 35.2% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 28.3%. Its 3 offices in the FDIC Summary of Deposits are in Coldspring, TX, Shepherd, TX and Livingston, TX; its Coldspring office books 43% of its branch deposits. By the capital ratios in its Q2 2026 call report, Peoples State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 5850 Highway 59 S, Shepherd, TX 77371
- County
- San Jacinto
- Metro Area
- Houston-Pasadena-The Woodlands, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 21, 1921
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 33
- Domestic deposits
- $149.7M
- Allowance for credit losses
- $1.0M
- Net charge-offs (YTD)
- $0
- Average total assets
- $187.9M
- Average total loans
- $102.3M
- Average interest-bearing deposits
- $109.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10345
- Fed RSSD
- 586960
- Website
- www.psbtexas.com →
- Parent Holding Company
- AMTEX BANCSHARES, INC. (RSSD 1131899)
- Ultimate Parent
- ODOM AMTEX HOLDINGS TRUST, THE (RSSD 5679326)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Peoples State Bank's total assets moved between a low of $161.1M (Q3 2023) and a high of $187.4M (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$181.2M total assets against $175.2M; $165.3M total liabilities against $162.0M.
$100.9M net loans and leases against $89.2M; $149.7M total deposits against $150.8M.
$61.7M securities against $68.8M; $9.2M cash and balances due against $7.8M.
$2.4M total interest income against $2.1M; $539K total interest expense against $494K.
$1.8M net interest income against $1.6M.
$324K total noninterest income against $315K; $1.4M total noninterest expense against $1.3M.
$15K provision for credit losses against $63K.
$604K net income against $447K.
1.29% return on assets against 1.00%; 4.22% net interest margin against 3.96%.
18.62% CET1 capital ratio against 18.29%; 10.66% tier 1 leverage ratio against 10.34%.
Inside the full Peoples State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Peoples State Bank rankings
Its closest position to the top of a national ranking is 425 of 2,134, for CET1 ratio; its furthest is 3,094 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.26% (Q3 2025) to 1.47% (Q4 2025) and its net interest margin ran from 3.81% (Q1 2025) to 4.30% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.62% | 1.29% | 1.25% | 7.51% | 4.22% |
| Q1 2026 | 18.56% | 1.37% | 1.27% | 7.65% | 4.22% |
| Q4 2025 | 18.21% | 1.47% | 1.31% | 7.89% | 4.30% |
| Q3 2025 | 18.09% | 0.26% | 0.00% | 0.00% | 3.93% |
| Q2 2025 | 18.29% | 1.00% | 0.00% | 0.00% | 3.96% |
| Q1 2025 | 19.05% | 1.13% | 0.00% | 0.21% | 3.81% |
| Q4 2024 | 19.52% | 0.92% | 0.00% | 0.00% | 3.83% |
| Q3 2024 | 19.62% | 1.07% | 0.07% | 0.39% | 3.92% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Coldspring Branch | Coldspring , TX | 77331 | $64.7M |
| Peoples State Bank (main office) | Shepherd , TX | 77371 | $61.6M |
| Livingston Branch | Livingston , TX | 77351 | $23.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 325 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $71K approved, $71K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2004 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Peoples State Bank
What are Peoples State Bank's total assets?
As of the Q2 2026 filing, Peoples State Bank reported total assets of $181.2 million in its FFIEC call report.
Where is Peoples State Bank headquartered?
It is headquartered in Shepherd, TX, United States.
When was Peoples State Bank founded?
It was established in 1921, per the FDIC institution directory.
Is Peoples State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10345). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Peoples State Bank?
Peoples State Bank's primary federal regulator is the FDIC.
What is Peoples State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.62% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Peoples State Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Peoples State Bank's Texas Ratio?
Its Texas Ratio is 7.51% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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