Peoples State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Peoples State Bank of Shepherd, TX against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.29% | 1.34% | -0.05% | 51st above |
| ROAE | 15.36% | 13.31% | +2.05% | 68th above |
| Net Interest Margin | 4.22% | 3.93% | +0.29% | 66th above |
| Efficiency Ratio | 66.04% | 61.14% | +4.90% | 37th below |
| PPNR / Avg Assets | 1.55% | 1.68% | -0.13% | 48th below |
| Yield on Earning Assets | 5.45% | 5.67% | -0.22% | 43rd below |
| Cost of Funds | 1.29% | 1.88% | -0.59% | 80th top |
| Net Interest Spread | 3.65% | 3.32% | +0.33% | 68th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.09% | 0.94% | +2.15% | 6th bottom |
| NPA / Total Assets | 1.74% | 0.70% | +1.04% | 9th bottom |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.01% | 1.28% | -0.27% | 27th below |
| ACL / NPLs (Coverage) | 32.73% | 1538.96% | -1506.23% | 4th bottom |
| Texas Ratio | 18.61% | 7.33% | +11.28% | 9th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 18.62% | 19.50% | -0.88% | 72nd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 18.62% | 19.54% | -0.92% | 72nd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 19.65% | 20.62% | -0.97% | 72nd above |
| Leverage Ratio | 10.66% | 12.14% | -1.48% | 44th below |
| Equity / Assets | 8.76% | 11.37% | -2.61% | 23rd bottom |
| TCE / Tangible Assets | 8.76% | 11.09% | -2.33% | 27th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 68.06% | 80.64% | -12.58% | 73rd above |
| Core Deposit Ratio | 89.35% | 86.86% | +2.49% | 51st above |
| Wholesale Funding Ratio | 8.28% | 5.03% | +3.25% | 20th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.41% | 6.85% | -3.44% | 42nd below |
| Loan Growth (Y/Y) | 13.41% | 7.90% | +5.51% | 83rd top |
| Deposit Growth (Y/Y) | -0.73% | 6.29% | -7.02% | 19th bottom |
See Peoples State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Peoples State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Peoples State Bank profile, how to read a UBPR, or how this data updates.