Peoples State Bank: how it compares with its peers
Against 123 TX banks with half to twice its assets, Peoples State Bank's strongest measure in Q2 2026 is net interest margin (4.37% vs. a 4.17% peer median). Its weakest relative measure is assets per employee ($5.5M vs. $6.5M).
| Measure | Peoples State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.36% | 1.46% | Middle third Ahead of 46% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.37% | 4.17% | Middle third Ahead of 63% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.93% | 63.57% | Middle third Ahead of 49% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.5M | $6.5M | Bottom third Ahead of 28% of peers |
| Loans to deposits Net loans and leases over total deposits. | 67.37% | 65.52% | Context |
What it means for lending operations
Its efficiency ratio of 63.93% is above the 63.57% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Greater State Bank Mcallen, TX · $180M
- First National Bank of Bosque County Valley Mills, TX · $182M
- First Security State Bank Cranfills Gap, TX · $183M
- First State Bank Spearman, TX · $184M
- First State Bank of Ben Wheeler, Texas Ben Wheeler, TX · $185M
- Peoples Bank Paris, TX · $185M
Questions about Peoples State Bank
How big is Peoples State Bank?
Peoples State Bank, established in 1921, is headquartered in Shepherd, TX. It reported $181M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Peoples State Bank's return on assets?
1.36% annualized in Q2 2026, against a 1.46% median for 123 TX banks with half to twice its assets, ahead of 46% of them.
What is Peoples State Bank's efficiency ratio?
63.93% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 63.57%, and lower is better.
Is Peoples State Bank growing its loans?
Net loans grew 13.1% over the year to Q2 2026, while deposits shrank 0.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.