Plains State Bank
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Data as of · sourced from FFIEC call reports. How we update
Plains State Bank is an FDIC-insured commercial bank headquartered in Humble, TX, established in 1957 (FDIC certificate 17739), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $828.4M, down 2.7% from Q2 2025, the 108th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 16.47% 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
- 17739
- Headquarters
- Humble, TX
- Established
- 1957
- Total assets, Q2 2026
- $828.4M
- Assets vs Q2 2025
- -2.7%
- Tier 1 leverage ratio, Q2 2026
- 16.47%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 111323207
- Holding company
- PLAINS ACQUISITION CORPORATION
- Asset rank in state
- 108th of 346 in Texas
Problem loans are rising at Plains State Bank. It reported $828 million in assets at June 30, 2026, down 2.7% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.73% of loans from 1.28% a year earlier. It funds 16.47% of its assets with Tier 1 capital, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also shrank its loan book 6.1% over the year, lower than about 9 in 10 banks its size (median 5.5%).
The non-owner-occupied commercial real estate book ($185 million) is worsening: 14.57% of it is past due or on nonaccrual, up from 6.99% a year earlier. Net income for the quarter slipped 16% from a year earlier, to $3.8 million. Credit is the area to watch: it carries problem assets equal to 12.2% of the capital and reserves that would absorb them, 4.6 times the median of 2.6% for banks its size.
As of June 30, 2026, Plains State Bank reported a return on assets of 1.80%, a nonperforming-loan ratio of 4.41% and a Texas ratio of 12.24%. The figures come from its call report filed with the FFIEC.
Plains State Bank ranks as the 108th largest of the 346 banks based in Texas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.4% to $828.4M, loans fell 0.3% and deposits rose 0.6%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 32.4% of total loans, ahead of non-owner-occupied commercial real estate loans at 29.7%. The FDIC Summary of Deposits lists 7 offices for it, in 5 cities in TX; its Humble office books 53% of its branch deposits. Judged on its Q2 2026 call report, Plains State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 19404 Kenswick Dr, Humble, TX 77338
- County
- Harris
- Metro Area
- Houston-Pasadena-The Woodlands, TX
- 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 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- April 6, 1957
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 79
- Domestic deposits
- $685.8M
- Allowance for credit losses
- $10.2M
- Net charge-offs (YTD)
- $45K
- Average total assets
- $848.6M
- Average total loans
- $627.9M
- Average interest-bearing deposits
- $537.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 6, 1957
- FDIC Cert
- 17739
- Fed RSSD
- 972862
- SEC CIK
- 1505921 → filed by PLAINS ACQUISITION CORPORATION
- Website
- http://www.psbplains.com →
- Parent Holding Company
- PLAINS ACQUISITION CORPORATION (RSSD 3720082)
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, Plains State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Plains State Bank's total assets moved between a low of $796.1M (Q3 2023) and a high of $927.6M (Q1 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$828.4M total assets against $851.5M; $691.5M total liabilities against $710.6M.
$612.0M net loans and leases against $653.6M; $685.8M total deposits against $703.4M.
$72.8M securities against $74.8M; $124.1M cash and balances due against $98.7M.
$13.4M total interest income against $15.0M; $3.9M total interest expense against $4.6M.
$9.5M net interest income against $10.4M.
$488K total noninterest income against $1.5M; $5.3M total noninterest expense against $6.2M.
$0 provision for credit losses against $0.
$3.8M net income against $4.5M.
1.80% return on assets against 2.02%; 4.54% net interest margin against 4.74%.
16.47% tier 1 leverage ratio against 15.63%.
Inside the full Plains State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Plains State Bank rankings
Its closest position to the top of a national ranking is 461 of 3,640, for Texas Ratio; its furthest is 1,212 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.41% (Q1 2026) to 3.28% (Q4 2025) and its net interest margin ran from 4.16% (Q1 2026) to 4.99% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.47% | 1.80% | 4.41% | 12.24% | 4.54% |
| Q1 2026 | 17.30% | 1.41% | 2.42% | 6.99% | 4.16% |
| Q4 2025 | 17.80% | 3.28% | 2.16% | 6.17% | 4.68% |
| Q3 2025 | 16.54% | 2.03% | 1.77% | 5.93% | 4.76% |
| Q2 2025 | 15.63% | 2.02% | 1.62% | 6.05% | 4.74% |
| Q1 2025 | 14.78% | 1.55% | 0.49% | 0.56% | 4.31% |
| Q4 2024 | 15.59% | 2.34% | 0.64% | 1.10% | 4.85% |
| Q3 2024 | 15.44% | 2.10% | 0.75% | 1.30% | 4.99% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → 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 |
|---|---|---|---|
| Plains State Bank (main office) | Humble , TX | 77338 | $360.5M |
| Plains Branch | Plains , TX | 79355 | $156.3M |
| Plains State Bank Branch | Houston , TX | 77068 | $77.5M |
| Houston Branch | Houston , TX | 77098 | $61.8M |
| Conroe Branch | Conroe , TX | 77304 | $17.8M |
| Plains State Bank - Sugarland Branch | Sugar Land , TX | 77478 | $12.0M |
| Conroe Branch | Conroe , TX | 77304 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 148 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 10 loans, $22.4M approved, $2.2M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 Plains State Bank
What are Plains State Bank's total assets?
As of the Q2 2026 filing, Plains State Bank reported total assets of $828.4 million in its FFIEC call report.
Where is Plains State Bank headquartered?
It is headquartered in Humble, TX, United States.
When was Plains State Bank founded?
It was established in 1957, per the FDIC institution directory.
Is Plains State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17739). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Plains State Bank?
Plains State Bank's primary federal regulator is the FDIC.
How many branches does Plains State Bank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Plains State Bank's Texas Ratio?
Its Texas Ratio is 12.24% 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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