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Peoples State Bank
Rocksprings, TX · FDIC Certificate #15939 · Chartered 05/0
Total assets
$139.97M
Total deposits
$126.48M
Total equity
$13.17M
Net loans
$45.30M
Branches (offices)
2
Net income (YTD)
$1.30M
Rank: #3,378 of 4,213 U.S. banks by assets · #288 of 346 in Texas. Assets changed -6.7% and deposits -8.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.81% |
| Return on equity | 19.80% |
| Net interest margin (YTD) | 3.03% |
| Equity to assets | 9.41% |
| Tier 1 leverage ratio | 11.02% |
| Uninsured deposits (share of deposits) | 46.9% |
| Noncurrent loans (share of loans) | 0.10% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 35.8% |
| Real estate loans (share of loans) | 86.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $38.99M | 86.1% | |
| Commercial & industrial | $1.83M | 4.0% | |
| Consumer / individual | $2.43M | 5.4% | |
| Construction & development | $266.00K | 0.6% | |
| Agricultural | $481.00K | 1.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $113.36M | $106.47M | $517.00K | $6.70M |
| Jun 2023 | $118.08M | $111.06M | $751.00K | $6.76M |
| Jun 2024 | $131.74M | $122.73M | $896.00K | $8.68M |
| Jun 2025 | $150.09M | $138.11M | $1.25M | $11.64M |
| Jun 2026 | $139.97M | $126.48M | $1.30M | $13.17M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $126.48M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $126.48M.
Similar-sized banks
Commercial Bank Of Mott ($139.98M) · Evergreen National Bank ($139.92M)
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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