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.
Loan-to-deposit ratio climbed 1.86 percentage points in Q2 2026, from 34.08% to 35.94%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Peoples State Bank is 84th of 345 on return on assets, 1.86% as of Q2 2026, above the middle of the field. Peoples State Bank reported 1.86% on return on assets for Q2 2026, 0.61 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 28.99% |
| Tier 1 risk-based capital ratio | 28.99% |
| Total risk-based capital ratio | 29.28% |
| Tier 1 leverage ratio | 11.02% |
| Equity capital to assets | 9.41% |
| Tangible equity to tangible assets | 9.41% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.10% |
| Non-performing assets ratio | 0.03% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.35% |
| Allowance for credit losses to loans | 0.35% |
| Reserve coverage of non-performing loans | 341.30% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.86% |
| Return on equity | 20.66% |
| Net interest margin | 3.05% |
| Efficiency ratio | 38.66% |
| Yield on earning assets | 4.01% |
| Cost of funds | 0.76% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 35.94% |
| Core deposits to total deposits | 90.61% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.37% |
| Securities to assets | 56.96% |
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 | 21.10% | 21.10% | 21.35% | 11.01% | 1.18% |
| Q4 2023 | 20.82% | 20.82% | 21.07% | 11.31% | 1.02% |
| Q1 2024 | 21.71% | 21.71% | 21.99% | 10.52% | 1.20% |
| Q2 2024 | 22.35% | 22.35% | 22.63% | 9.69% | 1.49% |
| Q3 2024 | 19.68% | 19.68% | 19.92% | 10.23% | 1.64% |
| Q4 2024 | 18.93% | 18.93% | 19.15% | 10.11% | 1.16% |
| Q1 2025 | 23.00% | 23.00% | 23.26% | 9.39% | 1.60% |
| Q2 2025 | 25.08% | 25.08% | 25.35% | 9.36% | 1.64% |
| Q3 2025 | 27.10% | 27.10% | 27.36% | 10.28% | 1.76% |
| Q4 2025 | 27.44% | 27.44% | 27.70% | 10.41% | 1.71% |
| Q1 2026 | 29.21% | 29.21% | 29.48% | 10.57% | 1.71% |
| Q2 2026 | 28.99% | 28.99% | 29.28% | 11.02% | 1.86% |
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 15939) · FFIEC NIC profile (RSSD 660066)