Peoples State Bank

BankShepherd, Texas
www.psbtexas.com

Total Assets

$187.4M

Total Deposits

$162.8M

Branches

3

Established

1921

TFS Health Grade

$
C-

72.9 / 100

Average financial health

How we grade

Peoples State Bank is a bank headquartered in Shepherd, Texas, established in 1921. With $187.4M in total assets and 3 branch locations, it has a TFS Financial Health Grade of C- (72.9/100).

Capital & Safety

Tier 1 Capital Ratio
10.16%(8%)
Total Capital Ratio
19.24%(10%)
Non-Performing Loan Ratio
1.31%

Profitability

Return on Assets (ROA)
1.01%(1%)
Return on Equity (ROE)
13.46%(10%)
Net Interest Margin
4.20%
Efficiency Ratio
66.97%(60%)

Lending & Liquidity

Total Loans
$97.1M
Loan-to-Deposit Ratio
58.99%
Net Charge-Off Ratio
0.01%

Growth

Asset Growth (YoY)
+12.17%
Deposit Growth (YoY)
+4.87%
Net Income
$1.8M

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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