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Peoples State Bank
Shepherd, TX · FDIC Certificate #10345 · Chartered 09/2
Total assets
$181.20M
Total deposits
$149.75M
Total equity
$15.88M
Net loans
$100.89M
Branches (offices)
3
Net income (YTD)
$1.25M
Rank: #3,106 of 4,213 U.S. banks by assets · #263 of 346 in Texas. Assets changed 3.4% and deposits -0.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.36% |
| Return on equity | 16.12% |
| Net interest margin (YTD) | 4.37% |
| Equity to assets | 8.76% |
| Tier 1 leverage ratio | 10.66% |
| Uninsured deposits (share of deposits) | 22.8% |
| Noncurrent loans (share of loans) | 1.25% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 67.4% |
| Real estate loans (share of loans) | 92.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $93.36M | 92.5% | |
| Commercial & industrial | $3.06M | 3.0% | |
| Consumer / individual | $5.38M | 5.3% | |
| Construction & development | $28.89M | 28.6% | |
| Agricultural | $241.00K | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $169.84M | $162.49M | $699.00K | $7.13M |
| Jun 2023 | $165.74M | $157.60M | $1.17M | $7.75M |
| Jun 2024 | $173.83M | $163.08M | $1.04M | $10.23M |
| Jun 2025 | $175.23M | $150.85M | $972.00K | $13.18M |
| Jun 2026 | $181.20M | $149.75M | $1.25M | $15.88M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $149.75M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $149.75M.
Similar-sized banks
Continental Bank ($181.84M) · Gateway Bank ($180.98M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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