Peoples State Bank: how it compares with its peers
Against 105 TX banks with half to twice its assets, Peoples State Bank's strongest measure in Q2 2026 is assets per employee ($15.6M vs. a $6.4M peer median). Its weakest relative measure is net interest margin (3.03% vs. 4.12%).
| Measure | Peoples State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.81% | 1.39% | Top third Ahead of 78% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.03% | 4.12% | Bottom third Ahead of 11% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 39.36% | 64.45% | Top third Ahead of 97% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $15.6M | $6.4M | Top third Ahead of 100% of peers |
| Loans to deposits Net loans and leases over total deposits. | 35.81% | 62.75% | Context |
What it means for lending operations
Its efficiency ratio of 39.36% is better than the 64.45% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First State Bank of Brownsboro Brownsboro, TX · $140M
- Spur Security Bank Spur, TX · $141M
- Texas National Bank Sweetwater, TX · $139M
- The Buckholts State Bank Buckholts, TX · $139M
- Marion State Bank Marion, TX · $142M
- POINTWEST BANK West, TX · $137M
Questions about Peoples State Bank
How big is Peoples State Bank?
Peoples State Bank, established in 1943, is headquartered in Rocksprings, TX. It reported $140M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Peoples State Bank's return on assets?
1.81% annualized in Q2 2026, against a 1.39% median for 105 TX banks with half to twice its assets, ahead of 78% of them.
What is Peoples State Bank's efficiency ratio?
39.36% in Q2 2026: it spent about 39 cents in noninterest expense for each dollar of revenue. The peer median is 64.45%, and lower is better.
Is Peoples State Bank growing its loans?
Net loans shrank 5.2% over the year to Q2 2026, while deposits shrank 8.4%.
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.