Peoples State Bank

BankRocksprings, Texas
www.psbrocksprings.com

Total Assets

$147.8M

Total Deposits

$134.3M

Branches

2

Established

1943

TFS Health Grade

$
D

63.1 / 100

Below average financial health

How we grade

Peoples State Bank is a bank headquartered in Rocksprings, Texas, established in 1943. With $147.8M in total assets and 2 branch locations, it has a TFS Financial Health Grade of D (63.1/100).

Capital & Safety

Tier 1 Capital Ratio
10.41%(8%)
Total Capital Ratio
27.70%(10%)
Non-Performing Loan Ratio
0.12%

Profitability

Return on Assets (ROA)
1.63%(1%)
Return on Equity (ROE)
21.80%(10%)
Net Interest Margin
2.82%
Efficiency Ratio
30.41%(60%)

Lending & Liquidity

Total Loans
$44.8M
Loan-to-Deposit Ratio
33.26%
Net Charge-Off Ratio
0.02%

Growth

Asset Growth (YoY)
-19.26%
Deposit Growth (YoY)
-22.38%
Net Income
$2.5M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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