Peoples State Bank (Blair, OK)
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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 Blair, OK, established in 1952 (FDIC certificate 17138), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $13.9M, up 1.5% from Q2 2025, the 169th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.04% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17138
- Headquarters
- Blair, OK
- Established
- 1952
- Total assets, Q2 2026
- $13.9M
- Assets vs Q2 2025
- +1.5%
- Tier 1 leverage ratio, Q2 2026
- 13.04%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 103112743
- Latest call report
- Q2 2026, FFIEC 051 · Peoples State Bank call report
- Asset rank in state
- 169th of 169 in Oklahoma
Peoples State Bank earns an unusually wide margin on its lending. Based in Blair, Oklahoma, it had $14 million in assets at June 30, 2026, up 1.5% from a year earlier. It keeps 6.54 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 583 banks with less than $100 million in assets (median 3.87 cents). It also pays an average of 0.36% on its deposits and borrowings, a small fraction of the median of 1.53% for banks its size.
Earnings fell sharply: quarterly net income of $41,000 was 39% below a year earlier. Over the same year, loans shrank 3.4% and deposits grew 1.3%. Concentration is the risk to watch: it holds commercial real estate loans worth 1.2 times its capital, 4.5 times the median of 26% for banks its size.
As of June 30, 2026, Peoples State Bank reported a return on assets of 1.18%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Peoples State Bank is the smallest of the 169 banks headquartered in Oklahoma. From Q1 2026 to Q2 2026, its total assets fell 3.7% to $13.9M, loans fell 4.5% and deposits fell 4.4%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 35.9% of total loans, ahead of agricultural production loans at 27.3%. The FDIC Summary of Deposits lists a single office for it, in Blair, OK. By the capital ratios in its Q2 2026 call report, Peoples State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 117 East Main Street, Blair, OK 73526
- County
- Jackson
- Metro Area
- Altus, OK
- 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 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 25, 1952
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 5
- Domestic deposits
- $12.1M
- Allowance for credit losses
- $82K
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $13.9M
- Average total loans
- $9.4M
- Average interest-bearing deposits
- $7.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 25, 1952
- FDIC Cert
- 17138
- Fed RSSD
- 991854
- Website
- http://www.psbokonline.com →
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Peoples State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Peoples State Bank's total assets moved between a low of $13.4M (Q3 2025) and a high of $16.9M (Q3 2023) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$13.9M total assets against $13.7M; $12.1M total liabilities against $11.9M.
$9.7M net loans and leases against $10.0M; $12.1M total deposits against $11.9M.
$1.3M securities against $1.2M; $2.7M cash and balances due against $2.1M.
$210K total interest income against $231K; $11K total interest expense against $10K.
$199K net interest income against $221K.
$23K total noninterest income against $24K; $181K total noninterest expense against $178K.
No provision recorded in the last 12 quarters.
$41K net income against $67K.
1.18% return on assets against 1.88%; 6.54% net interest margin against 6.83%.
13.04% tier 1 leverage ratio against 12.35%.
Inside the full Peoples State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -2.81% (Q3 2024) to 1.96% (Q4 2024) and its net interest margin ran from 6.49% (Q1 2025) to 7.07% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.04% | 1.18% | 0.00% | 0.00% | 6.54% |
| Q1 2026 | 12.89% | 1.32% | 0.00% | 0.00% | 6.76% |
| Q4 2025 | 13.01% | 0.92% | 0.00% | 0.00% | 6.52% |
| Q3 2025 | 12.76% | 1.95% | 0.00% | 0.00% | 6.73% |
| Q2 2025 | 12.35% | 1.88% | 0.00% | 0.00% | 6.83% |
| Q1 2025 | 12.15% | 1.82% | 0.00% | 0.00% | 6.49% |
| Q4 2024 | 11.73% | 1.96% | 0.00% | 0.00% | 7.01% |
| Q3 2024 | 11.27% | -2.81% | 0.00% | 0.00% | 7.07% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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) | Blair , OK | 73526 | $12.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 8, 1992 | Structure Change | Acquired First Federal Savings Association of Chickasha Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OK, rank 192 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $275K approved, $137K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (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 $13.9 million in its FFIEC call report.
Where is Peoples State Bank headquartered?
It is headquartered in Blair, OK, United States.
When was Peoples State Bank founded?
It was established in 1952, per the FDIC institution directory.
Is Peoples State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17138). 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.
How many branches does Peoples State Bank operate?
It operates 1 domestic office, 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 0.00% 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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