Peoples State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 10.72 percentage points lower than in Q1 2026, at 32.73%. Within Texas, Peoples State Bank is 208th of 345 on return on assets, 1.29% as of Q2 2026, below the middle of the field. At 1.29%, Peoples State Bank's return on assets is close to the 1.25% median for banks in the $100M-1B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.62% |
| Tier 1 risk-based capital ratio | 18.62% |
| Total risk-based capital ratio | 19.65% |
| Tier 1 leverage ratio | 10.66% |
| Equity capital to assets | 8.76% |
| Tangible equity to tangible assets | 8.76% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.09% |
| Non-performing assets ratio | 1.74% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 18.61% |
| Allowance for credit losses to loans | 1.01% |
| Reserve coverage of non-performing loans | 32.73% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.29% |
| Return on equity | 15.36% |
| Net interest margin | 4.22% |
| Efficiency ratio | 66.04% |
| Yield on earning assets | 5.45% |
| Cost of funds | 1.29% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.06% |
| Core deposits to total deposits | 89.35% |
| Brokered deposits to total deposits | 3.20% |
| Deposits to assets | 82.64% |
| Securities to assets | 34.03% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 19.14% | 19.14% | 19.96% | 9.43% | 1.09% |
| Q4 2023 | 19.77% | 19.77% | 20.51% | 9.73% | 1.17% |
| Q1 2024 | 20.66% | 20.66% | 21.41% | 9.15% | 1.23% |
| Q2 2024 | 19.93% | 19.93% | 20.64% | 9.53% | 1.02% |
| Q3 2024 | 19.62% | 19.62% | 20.30% | 9.87% | 1.07% |
| Q4 2024 | 19.52% | 19.52% | 20.20% | 10.20% | 0.92% |
| Q1 2025 | 19.05% | 19.05% | 19.70% | 9.86% | 1.13% |
| Q2 2025 | 18.29% | 18.29% | 18.97% | 10.34% | 1.00% |
| Q3 2025 | 18.09% | 18.09% | 19.13% | 10.02% | 0.26% |
| Q4 2025 | 18.21% | 18.21% | 19.24% | 10.16% | 1.47% |
| Q1 2026 | 18.56% | 18.56% | 19.59% | 10.36% | 1.37% |
| Q2 2026 | 18.62% | 18.62% | 19.65% | 10.66% | 1.29% |
Peoples State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Peoples State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10345) · FFIEC NIC profile (RSSD 586960)