Branch Network
Peoples State Bank Locations & Branches Shepherd, Texas
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Peoples State Bank operates 3 branches from its headquarters in Shepherd, TX, .
Peoples State Bank branch network
All 3 branches are in TEXAS, across 3 cities. Its largest office by deposits is the Coldspring Branch office in Coldspring, TX, with $64.7M (43.2% of its branch deposits). It had the same number of branches on June 30, 2025.
Peoples State Bank at a glance
Its CET1 capital ratio was 18.62% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $181.2M
- CET1 ratio, Q2 2026
- 18.62%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Established
- 1921
Full financial profile · Is Peoples State Bank safe? · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Shepherd, TX (1 branch) | 1 of 2 | 70.0% | $61.6M |
| State: TX (3 branches) | 325 of 441 | <0.1% | $149.7M |
Ranked by total assets among banks headquartered in the state: Largest banks in Texas.
Share by county and metro area
Peoples State Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| San Jacinto, TX (2 branches) | 1 of 3 | 67.2% | $126.3M | $188.0M |
| Polk, TX (1 branch) | 5 of 6 | 2.5% | $23.4M | $918.6M |
Metro area share: not on file. None of this bank's branches sit in a metropolitan or micropolitan area in the FDIC branch directory.
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 10345) · FFIEC NIC profile (RSSD 586960)