BlastPoint's Banking Scorecard
Peoples State Bank
Micro
Specialty: Agricultural
TX
FDIC cert 15939
Designations: ✓ Community bank
Rocksprings, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Peoples State Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 37.31% below tier
- + Non-Interest-Bearing Deposit Share 19.96% above tier
- + Tier 1 Capital Ratio 18.59% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 41.27% below tier
- - Non-Interest Income / Assets 0.47% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$147.8M
-19.3% YoY
+1.5% QoQ
|
-$69.7M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
37% |
| Total Loans ? |
$44.7M
-9.2% YoY
+0.3% QoQ
|
-$94.5M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
17% |
| Total Deposits ? |
$134.3M
-22.4% YoY
+1.2% QoQ
|
-$49.4M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
41% |
| Return on Assets ? |
1.63%
+23.9% YoY
+1.2% QoQ
|
+0.55% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
80% |
| Net Interest Margin ? |
2.82%
+2.4% YoY
+1.1% QoQ
|
-1.04% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Bottom 11% in tier |
| Efficiency Ratio ? |
30.41%
-41.6% YoY
-0.3% QoQ
|
-37.31% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
0.12%
+1.6% QoQ
|
-0.52% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
33.26%
+17.0% YoY
-0.9% QoQ
|
-41.27% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
42.35%
+15.9% YoY
+5.5% QoQ
|
+19.96% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 5% in tier |
| Nonperforming Asset Ratio ? |
0.04%
+0.3% QoQ
|
-0.42% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
76% |
| Tier 1 Capital Ratio ? |
27.44%
+44.9% YoY
+1.3% QoQ
|
+18.59% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 5% in tier |
| Non-Interest Income / Assets ? |
0.09%
+30.8% YoY
+34.4% QoQ
|
-0.47% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Bottom 6% in tier |
Signature Analysis
Strengths (3)
Efficiency Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
30.41%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Top 5%
in Micro
Why this stands out
Current:
42.35%
(Tier avg: 22.39%, National avg: 21.79%)
Tier 1 Capital Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
27.44%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (2)
Loan-to-Deposit Ratio
metric
Bottom 3%
in Micro
Why this stands out
Current:
33.26%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest Income / Assets
metric
Bottom 6%
in Micro
Why this stands out
Current:
0.09%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Efficiency Ratio
Current: 30.41% · Tier avg: 67.73%
95
95th pctile
Tier 1 Capital Ratio
Current: 27.44% · Tier avg: 8.85%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 42.35% · Tier avg: 22.39%
80
80th pctile
Return on Assets
Current: 1.63% · Tier avg: 1.08%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.45%
69
69th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.64%
41
41th pctile
Total Deposits
Current: $134.3M · Tier avg: $183.7M
37
37th pctile
Total Assets
Current: $147.8M · Tier avg: $217.5M
17
17th pctile
Total Loans
Current: $44.7M · Tier avg: $139.2M
11
11th pctile
Net Interest Margin
Current: 2.82% · Tier avg: 3.85%
6
6th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.56%
3
3th pctile
Loan-to-Deposit Ratio
Current: 33.26% · Tier avg: 74.53%
Top Weaknesses
3
3th pctile
Loan-to-Deposit Ratio
Current: 33.26% · Tier avg: 74.53%
6
6th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.56%
11
11th pctile
Net Interest Margin
Current: 2.82% · Tier avg: 3.85%
17
17th pctile
Total Loans
Current: $44.7M · Tier avg: $139.2M
37
37th pctile
Total Assets
Current: $147.8M · Tier avg: $217.5M
41
41th pctile
Total Deposits
Current: $134.3M · Tier avg: $183.7M
69
69th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.64%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.45%
80
80th pctile
Return on Assets
Current: 1.63% · Tier avg: 1.08%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 42.35% · Tier avg: 22.39%
95
95th pctile
Tier 1 Capital Ratio
Current: 27.44% · Tier avg: 8.85%
99
99th pctile
Efficiency Ratio
Current: 30.41% · Tier avg: 67.73%