FDIC Cert #15939 · Rocksprings, Texas · Est. 1943

Peoples State Bank - FDIC Bank Health Profile

A community-scale look at Peoples State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$148M
Total assets
A
Health grade · Excellent
1.63%
Return on assets
27.4%
Tier 1 capital

Data updated July 2026

The verdict

Peoples State Bank earns a PlainBankData health grade of A (100/100), with well-capitalized at 27.44% Tier 1, profitable at 1.63% ROA, efficient (30% cost ratio).

#3,371
largest of 4,313 FDIC banks by assets
22nd
percentile by asset size, nationally
27.44%
Tier 1 ratio - above the 10% well-capitalized line
80th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 15939 · TX A · 100/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (100/100)
  • TOP-DECILE #125/4307
  • PHOTO-FINISH York State Bank · NE
  • TIER1-WELL 27.4% Tier 1
  • TEXAS-CLEAN 0.4% Texas
  • ROA-STRONG 1.63% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Texas: York State Bank, NE (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Peoples State Bank

Lowest and highest poles plus nearest scored peers outside Texas, not a full FDIC corpus board reprint.

Farmers and Merchant… · GA ·…100/100First National Bank… · AK · …100/100Morgan Stanley Bank,… · UT ·…100/100Peoples State Bank · TX · th…100/100The Security State B… · SD ·…100/100York State Bank · NE · near100/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Peoples State Bank · July 2026

Call Report read for Peoples State Bank in a high-failure state

Peoples State Bank (FDIC Cert #15939) carries a PlainBankData health grade of A at 100/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #125 of 4,307. Tier 1 capital prints at 27.44%, clearing the 10% well-capitalized line. The Texas Ratio is 0.40%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.63%. Balance-sheet scale is $148M, 3,371st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is York State Bank (NE), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Peoples State Bank

14 FAILURE resolutions in Texas since 2000, heavy vs the state corpus

Peoples State Bank sits in one of the heavier post-2000 FAILURE states (14 resolutions; latest year 2025). The list below is state history from the Failed Bank List, not a claim about Peoples State Bank's current Call Report.

  • SANTA ANNA NATIONAL BANK SANTA ANNA, TX 2025 → COLEMAN COUNTY STATE BANK
  • ENLOE STATE BANK COOPER, TX 2019 → LEGEND BANK, NA
  • FIRST NATIONAL BANK EDINBURG, TX 2013 → PLAINSCAPITAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Texas banks.

How Peoples State Bank's 100/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/100100/100
Peoples State Bank's composite health score
Tier 1 Capital Ratio (27.44%) 40/40
Return on Assets (ROA) (1.63%) 25/25
Texas Ratio (0.40%) 20/20
Efficiency Ratio (30.41%) 15/15

100 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$148M

Total balance-sheet footings

Total Deposits

$134M

Customer-funded liabilities

Net Loans

$45M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% 30% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 26.04% 27.44% 28.84%
Basel III capital ratios - Peoples State Bank

Where Peoples State Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Peoples State Bank's score of 100/100 falls in the highlighted band.

Peoples State Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

100 Top 3% higher than 97% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Peoples State Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Peoples State Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Peoples State Bank's $148M falls in the highlighted band.

Capital & credit buffers at Peoples State Bank

Tier 1 capital ratio
Well-capitalized 10%

27.44% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
27.44%
Texas Ratio
0.40%
Equity Capital
$13M

What these ratios mean →

Earnings posture at Peoples State Bank

Return on Assets (ROA)
80th percentile nationally
1.63%
Return on Equity (ROE)
21.80%
Efficiency Ratio
30.41%

What these mean →

Income & expense at Peoples State Bank

$6M
Interest Income
$131K
Non-Interest Income
$2M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Peoples State Bank reports a Texas Ratio of 0.40% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.40% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Peoples State Bank on FDIC BankFind →

Top banks in Texas by total assets

Largest banks headquartered in Texas
  1. 1
    Charles Schwab Bank, SSB $253.8B

    Westlake, TX · Grade A

  2. 2
    Frost Bank $53.1B

    San Antonio, TX · Grade A

  3. 3
    Prosperity Bank $38.5B

    El Campo, TX · Grade A

  4. 4
    Texas Capital Bank $31.3B

    Dallas, TX · Grade A

  5. 5
    Charles Schwab Premier Bank, SSB $27.0B

    Westlake, TX · Grade A

Top 5 banks in Texas ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($148M here), outside Texas so the neighborhood is not state containment.

Readlyn Savings Bank $148M · IA Bridge Community Bank $148M · IA Oakwood Bank $148M · WI Monroe Federal Savings and Loan Assoc… $148M · OH

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Peoples State Bank (FDIC Cert #15939) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Peoples State Bank Call Report profile · FDIC Failed Bank List · Texas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Texas

All Texas banks →
BankAssetsGradeROA
Charles Schwab Bank, SSBWestlake $253.8B A 0.94%
Frost BankSan Antonio $53.1B A 1.26%
Prosperity BankEl Campo $38.5B A 1.44%
Texas Capital BankDallas $31.3B A 1.10%
Charles Schwab Premier Bank, SSBWestlake $27.0B A 1.47%
First Financial BankAbilene $15.4B A 1.64%
NexBankDallas $13.9B A 1.17%
PlainsCapital BankUniversity Park $12.7B B 1.05%