Peoples State Bank of Plainview: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 9.78 percentage points higher than in Q1 2026, at 109.20%. Peoples State Bank of Plainview ranks 62nd of 221 Minnesota banks on return on assets, in the upper half at 1.75% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Peoples State Bank of Plainview sits 0.50 points higher, at 1.75% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.96% |
| Tier 1 risk-based capital ratio | 12.96% |
| Total risk-based capital ratio | 14.18% |
| Tier 1 leverage ratio | 8.87% |
| Equity capital to assets | 6.65% |
| Tangible equity to tangible assets | 6.65% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.07% |
| Non-performing assets ratio | 0.74% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 9.98% |
| Allowance for credit losses to loans | 1.17% |
| Reserve coverage of non-performing loans | 109.20% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.75% |
| Return on equity | 26.19% |
| Net interest margin | 3.72% |
| Efficiency ratio | 48.89% |
| Yield on earning assets | 5.62% |
| Cost of funds | 2.03% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.93% |
| Core deposits to total deposits | 88.88% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.65% |
| Securities to assets | 22.87% |
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 | 13.06% | 13.06% | 14.13% | 8.50% | 0.87% |
| Q4 2023 | 13.21% | 13.21% | 14.27% | 8.82% | 0.73% |
| Q1 2024 | 12.90% | 12.90% | 13.97% | 8.62% | 0.58% |
| Q2 2024 | 12.59% | 12.59% | 13.63% | 8.71% | 0.80% |
| Q3 2024 | 12.78% | 12.78% | 13.84% | 8.43% | 1.13% |
| Q4 2024 | 12.93% | 12.93% | 14.02% | 8.44% | 0.92% |
| Q1 2025 | 12.99% | 12.99% | 14.13% | 8.44% | 1.16% |
| Q2 2025 | 13.06% | 13.06% | 14.21% | 8.66% | 1.39% |
| Q3 2025 | 13.24% | 13.24% | 14.41% | 8.74% | 1.54% |
| Q4 2025 | 13.41% | 13.41% | 14.61% | 8.85% | 1.47% |
| Q1 2026 | 12.95% | 12.95% | 14.13% | 8.82% | 1.66% |
| Q2 2026 | 12.96% | 12.96% | 14.18% | 8.87% | 1.75% |
Peoples State Bank of Plainview vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples State Bank of Plainview, 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 of Plainview profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1100) · FFIEC NIC profile (RSSD 786555)