Peoples State Bank (Rocksprings, 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 Rocksprings, TX, established in 1943 (FDIC certificate 15939), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $140.0M, down 6.7% from Q2 2025, the 288th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 28.99% 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
- 15939
- Headquarters
- Rocksprings, TX
- Established
- 1943
- Total assets, Q2 2026
- $140.0M
- Assets vs Q2 2025
- -6.7%
- CET1 ratio, Q2 2026
- 28.99%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 114922003
- Latest call report
- Q2 2026, FFIEC 051 · Peoples State Bank call report
- Asset rank in state
- 288th of 346 in Texas
Peoples State Bank runs leaner than most banks of its size. It reported $140 million in assets at June 30, 2026, down 6.7% from a year earlier. It spends about 39 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also pays an average of 0.76% on its deposits and borrowings, about half the median of 1.80% for banks its size.
Unrealized losses on its securities total $2.8 million, equal to 17% of Tier 1 capital, against 20% a year earlier. The balance sheet shrank over the year: over the year loans fell 5.2% and deposits fell 8.4%. Its margin is thin by comparison: it keeps 3.05 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Peoples State Bank reported a CET1 capital ratio of 28.99%, a return on assets of 1.86%, a nonperforming-loan ratio of 0.10% and a Texas ratio of 0.35%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Peoples State Bank is the 288th largest of the 346 banks headquartered in Texas. Between Q1 2026 and Q2 2026, its total assets fell 1.9% to $140.0M, loans rose 3.1% and deposits fell 2.3%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 42.8% of total loans, ahead of 1-4 family residential loans at 28.7%. Its 2 offices in the FDIC Summary of Deposits are in Rocksprings, TX and Center Point, TX; its Rocksprings office books 93% of its branch deposits. Judged on its Q2 2026 call report, Peoples State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 101 W Main St, Rocksprings, TX 78880
- County
- Edwards
- 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
- May 1, 1943
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 9
- Domestic deposits
- $126.5M
- Allowance for credit losses
- $157K
- Net charge-offs (YTD)
- $9K
- Average total assets
- $144.8M
- Average total loans
- $44.8M
- Average interest-bearing deposits
- $131.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 1, 1943
- FDIC Cert
- 15939
- Fed RSSD
- 660066
- Website
- www.psbrocksprings.com →
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
Over the 12 quarters to Q2 2026, Peoples State Bank's total assets ran between $113.7M (Q3 2023) and $183.1M (Q4 2024), 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
$140.0M total assets against $150.1M; $126.8M total liabilities against $138.4M.
$45.3M net loans and leases against $47.8M; $126.5M total deposits against $138.1M.
$79.7M securities against $79.5M; $12.2M cash and balances due against $20.1M.
$1.4M total interest income against $1.5M; $347K total interest expense against $469K.
$1.1M net interest income against $1.1M.
$37K total noninterest income against $32K; $437K total noninterest expense against $453K.
$12K provision for credit losses against -$3K.
$673K net income against $642K.
1.86% return on assets against 1.64%; 3.05% net interest margin against 2.81%.
28.99% CET1 capital ratio against 25.08%; 11.02% tier 1 leverage ratio against 9.36%.
Inside the full Peoples State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePeoples State Bank rankings
Its closest position to the top of a national ranking is 95 of 2,134, for CET1 ratio; its furthest is 3,056 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.16% (Q4 2024) to 1.86% (Q2 2026) and its net interest margin ran from 2.75% (Q4 2024) to 3.11% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 28.99% | 1.86% | 0.10% | 0.35% | 3.05% |
| Q1 2026 | 29.21% | 1.71% | 0.10% | 0.35% | 2.89% |
| Q4 2025 | 27.44% | 1.71% | 0.12% | 0.40% | 2.95% |
| Q3 2025 | 27.10% | 1.76% | 0.12% | 0.42% | 2.89% |
| Q2 2025 | 25.08% | 1.64% | 0.10% | 0.40% | 2.81% |
| Q1 2025 | 23.00% | 1.60% | 0.10% | 0.44% | 2.94% |
| Q4 2024 | 18.93% | 1.16% | 0.00% | 0.00% | 2.75% |
| Q3 2024 | 19.68% | 1.64% | 0.00% | 0.00% | 3.11% |
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Branch Network
View all 2 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 |
|---|---|---|---|
| Peoples State Bank (main office) | Rocksprings , TX | 78880 | $117.6M |
| Center Point Branch | Center Point , TX | 78010 | $8.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 347 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $50K approved, $50K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1996 (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 $140.0 million in its FFIEC call report.
Where is Peoples State Bank headquartered?
It is headquartered in Rocksprings, TX, United States.
When was Peoples State Bank founded?
It was established in 1943, per the FDIC institution directory.
Is Peoples State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15939). 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 28.99% 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 2 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 0.35% 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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