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.
Compared with Q1 2026, Deposits to assets fell 0.63 percentage points in Q2 2026 to 86.93%, the biggest move on this page. Peoples State Bank ranks 108th of 169 Oklahoma banks on return on assets, in the lower half at 1.18% (Q2 2026). The median for banks in the < $100M asset tier is 0.98% on return on assets. Peoples State Bank sits 0.20 points higher, at 1.18% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.04% |
| Equity capital to assets | 13.01% |
| Tangible equity to tangible assets | 13.01% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.04% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.84% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.18% |
| Return on equity | 9.11% |
| Net interest margin | 6.54% |
| Efficiency ratio | 81.53% |
| Yield on earning assets | 6.90% |
| Cost of funds | 0.36% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.67% |
| Core deposits to total deposits | 100.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.93% |
| Securities to assets | 9.02% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.42% | 3.32% | 6.76% | 0.00% | 0.00% |
| Q4 2023 | 10.78% | 2.65% | 6.68% | 0.00% | 0.00% |
| Q1 2024 | 11.15% | 2.75% | 7.01% | 0.00% | 0.15% |
| Q2 2024 | 12.18% | 2.91% | 7.29% | 0.00% | -0.04% |
| Q3 2024 | 11.27% | -2.81% | 7.07% | 0.00% | 0.00% |
| Q4 2024 | 11.73% | 1.96% | 7.01% | 0.00% | 0.00% |
| Q1 2025 | 12.15% | 1.82% | 6.49% | 0.00% | 0.16% |
| Q2 2025 | 12.35% | 1.88% | 6.83% | 0.00% | -0.04% |
| Q3 2025 | 12.76% | 1.95% | 6.73% | 0.00% | 0.25% |
| Q4 2025 | 13.01% | 0.92% | 6.52% | 0.00% | -0.25% |
| Q1 2026 | 12.89% | 1.32% | 6.76% | 0.00% | 0.00% |
| Q2 2026 | 13.04% | 1.18% | 6.54% | 0.00% | -0.04% |
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 17138) · FFIEC NIC profile (RSSD 991854)