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Plains State Bank
Humble, TX · FDIC Certificate #17739 · Chartered 04/0
Total assets
$828.40M
Total deposits
$685.75M
Total equity
$136.89M
Net loans
$612.00M
Branches (offices)
7
Net income (YTD)
$6.97M
Rank: #1,220 of 4,213 U.S. banks by assets · #108 of 346 in Texas. Assets changed -2.7% and deposits -2.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.64% |
| Return on equity | 9.43% |
| Net interest margin (YTD) | 4.51% |
| Equity to assets | 16.53% |
| Tier 1 leverage ratio | 16.47% |
| Uninsured deposits (share of deposits) | 46.8% |
| Noncurrent loans (share of loans) | 4.41% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 89.2% |
| Real estate loans (share of loans) | 84.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $515.61M | 84.2% | |
| Commercial & industrial | $51.36M | 8.4% | |
| Consumer / individual | $36.17M | 5.9% | |
| Construction & development | $102.31M | 16.7% | |
| Agricultural | $6.16M | 1.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $832.88M | $733.29M | $7.01M | $97.88M |
| Jun 2023 | $779.84M | $663.73M | $8.85M | $111.10M |
| Jun 2024 | $852.45M | $716.83M | $8.39M | $127.23M |
| Jun 2025 | $851.47M | $703.38M | $8.06M | $140.85M |
| Jun 2026 | $828.40M | $685.75M | $6.97M | $136.89M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $685.75M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $685.75M.
Similar-sized banks
Barwick Banking Company ($829.62M) · Community Federal Savings Bank ($826.98M)
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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