Headquartered in Shepherd, Texas, Peoples State Bank is a state-chartered bank with $181.2M in total assets and $149.7M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1921.
Peoples State Bank has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 37% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 246th. Problem-loan coverage contributes the most (85/100, 7.5%); capital cushion contributes the least (57/100, 10.66%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 10 points (78 → 68), mostly because the loan quality component weakened by 42 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 74 |
| Q3 2024 | 76 |
| Q4 2024 | 77 |
| Q1 2025 | 76 |
| Q2 2025 | 78 |
| Q3 2025 | 75 |
| Q4 2025 | 63 |
| Q1 2026 | 67 |
| Q2 2026 | 68 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.53% |
| Q3 2024 | 9.87% |
| Q4 2024 | 10.20% |
| Q1 2025 | 9.86% |
| Q2 2025 | 10.34% |
| Q3 2025 | 10.02% |
| Q4 2025 | 10.16% |
| Q1 2026 | 10.36% |
| Q2 2026 | 10.66% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.07% |
| Q3 2024 | 0.07% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 1.31% |
| Q1 2026 | 1.27% |
| Q2 2026 | 1.25% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.18% |
| Q3 2024 | 1.16% |
| Q4 2024 | 1.11% |
| Q1 2025 | 1.22% |
| Q2 2025 | 1.12% |
| Q3 2025 | 0.84% |
| Q4 2025 | 1.01% |
| Q1 2026 | 1.40% |
| Q2 2026 | 1.36% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $181.2M | 10.66% | 1.25% | 1.36% | 67.4% |
| Q1 2026 | 67 | $182.5M | 10.36% | 1.27% | 1.40% | 61.6% |
| Q4 2025 | 63 | $187.4M | 10.16% | 1.31% | 1.01% | 59.0% |
| Q3 2025 | 75 | $176.0M | 10.02% | 0.00% | 0.84% | 62.8% |
| Q2 2025 | 78 | $175.2M | 10.34% | 0.00% | 1.12% | 59.2% |
| Q1 2025 | 76 | $176.5M | 9.86% | 0.00% | 1.22% | 50.7% |
| Q4 2024 | 77 | $167.1M | 10.20% | 0.00% | 1.11% | 50.0% |
| Q3 2024 | 76 | $171.6M | 9.87% | 0.07% | 1.16% | 47.3% |
| Q2 2024 | 74 | $173.8M | 9.53% | 0.07% | 1.18% | 43.8% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Greater State BankBank Mcallen, TX | 75 out of 100, Strong | $180.2M | 11.1% | 0.05% | vs |
| First National Bank of Bosque CountyBank Valley Mills, TX | 82 out of 100, Strong | $182.3M | 12.8% | 0.72% | vs |
| First Security State BankBank Cranfills Gap, TX | 73 out of 100, Strong | $183.1M | 7.6% | 0.02% | vs |
| First State BankBank Spearman, TX | 53 out of 100, Below average | $184.0M | 12.6% | 4.44% | vs |
| First State Bank of Ben Wheeler, TexasBank Ben Wheeler, TX | 95 out of 100, Very strong | $185.1M | 15.7% | 0.07% | vs |
| Peoples BankBank Paris, TX | 76 out of 100, Strong | $185.4M | 9.6% | 0.25% | vs |
Deposit insurance
Is my money safe at Peoples State Bank?
Yes. Peoples State Bank is an FDIC-insured institution (FDIC certificate #10345). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 22.8% of deposits ($34.2M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.66%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.65% (benchmark: 10%).
3 locations
Branches
Peoples State Bank lists 3 offices in 3 cities. Most locations:
- Coldspring, TX (1)
- Livingston, TX (1)
- Shepherd, TX (1)
Identity & history
Profile
- Legal name
- Peoples State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 10345
- RSSD ID
- 586960
- Primary regulator
- FDIC
- Holding company
- Odom Amtex Holdings Trust the
- Established
- September 21, 1921
- Headquarters
- 5850 Highway 59 S, Shepherd, TX 77371
- Website
- www.psbtexas.com
- Employees
- 33
Quick answers
Peoples State Bank: common questions
Is Peoples State Bank FDIC insured?
Yes. Peoples State Bank is an FDIC-insured institution (FDIC certificate #10345). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Peoples State Bank's TellerScore?
68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Peoples State Bank ever failed?
There is no failure record for FDIC certificate #10345 in the FDIC failed bank list.
How many branches does Peoples State Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Shepherd
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank of LivingstonBank Livingston, TX | 98 out of 100, Very strong | $467.2M | 15.5% | 0.05% | vs |
| The Bank of San Jacinto County, Coldspring, TexasBank Coldspring, TX | 97 out of 100, Very strong | $42.0M | 17.8% | 0.00% | vs |
| Austin Bank, Texas National AssociationBank Jacksonville, TX | 88 out of 100, Very strong | $3.3B | 15.1% | 0.60% | vs |
| Southside BankBank Tyler, TX | 75 out of 100, Strong | $8.8B | 11.4% | 0.19% | vs |
| First State Bank of LivingstonBank Livingston, TX | 71 out of 100, Strong | $689.3M | 15.5% | 1.93% | vs |
| Prosperity BankBank El Campo, TX | 71 out of 100, Strong | $43.9B | 10.6% | 0.48% | vs |