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 Rocksprings, 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 | 1.86% | 1.34% | +0.52% | 81st top |
| ROAE | 20.66% | 13.31% | +7.35% | 89th top |
| Net Interest Margin | 3.05% | 3.93% | -0.88% | 11th bottom |
| Efficiency Ratio | 38.66% | 61.14% | -22.48% | 96th top |
| PPNR / Avg Assets | 1.89% | 1.68% | +0.21% | 67th above |
| Yield on Earning Assets | 4.01% | 5.67% | -1.66% | 3rd bottom |
| Cost of Funds | 0.76% | 1.88% | -1.12% | 96th top |
| Net Interest Spread | 2.18% | 3.32% | -1.14% | 6th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.10% | 0.94% | -0.84% | 73rd above |
| NPA / Total Assets | 0.03% | 0.70% | -0.67% | 80th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.35% | 1.28% | -0.93% | 1st bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 341.30% | 1538.85% | -1197.55% | 63rd above |
| Texas Ratio | 0.35% | 7.33% | -6.98% | 83rd top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 200.00% | 1395.73% | -1195.73% | 58th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 28.99% | 19.50% | +9.49% | 92nd top |
| Tier 1 Ratio | 28.99% | 19.53% | +9.46% | 92nd top |
| Total Capital Ratio | 29.28% | 20.62% | +8.66% | 91st top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.02% | 12.14% | -1.12% | 51st above |
| Equity / Assets | 9.41% | 11.37% | -1.96% | 34th below |
| TCE / Tangible Assets | 9.41% | 11.09% | -1.68% | 38th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 35.94% | 80.64% | -44.70% | 97th top |
| Core Deposit Ratio | 90.61% | 86.86% | +3.75% | 58th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -6.75% | 6.85% | -13.60% | 3rd bottom |
| Loan Growth (Y/Y) | -5.16% | 7.90% | -13.06% | 7th bottom |
| Deposit Growth (Y/Y) | -8.42% | 6.29% | -14.71% | 3rd 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.