TellerScore

Peoples State Bank (FDIC certificate #15939) is based in Rocksprings, Texas. Its Q2 2026 call report shows $140.0M in total assets and $126.5M in deposits and 2 offices.

Peoples State Bank has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 77% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 96th. Problem-loan coverage contributes the most (99/100, 0.3%); capital cushion contributes the least (60/100, 11.02%).

TellerScore · Q2 2026

Scorecard

Capital cushion60/100
Tier 1 leverage ratio: 11.02%
Loan quality97/100
Noncurrent loans ÷ total loans: 0.10%
Earnings92/100
Return on assets (annualized): 1.81%
Funding & liquidity65/100
Loans ÷ deposits and uninsured-deposit share: 35.8% · 46.9% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.35%

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 rose 7 points (73 → 80), mostly because the capital cushion component improved by 16 points.

TellerScore
727680Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202476
Q4 202472
Q1 202572
Q2 202573
Q3 202576
Q4 202576
Q1 202678
Q2 202680
Tier 1 leverage ratio
5.00%8.01%11.02%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.69%
Q3 202410.23%
Q4 202410.11%
Q1 20259.39%
Q2 20259.36%
Q3 202510.28%
Q4 202510.41%
Q1 202610.57%
Q2 202611.02%
Noncurrent loans
0.00%0.06%0.12%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.10%
Q2 20250.10%
Q3 20250.12%
Q4 20250.12%
Q1 20260.10%
Q2 20260.10%
Return on assets
1.32%1.56%1.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.39%
Q3 20241.48%
Q4 20241.32%
Q1 20251.47%
Q2 20251.56%
Q3 20251.61%
Q4 20251.63%
Q1 20261.72%
Q2 20261.81%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$140.0M11.02%0.10%1.81%35.8%
Q1 202678$142.6M10.57%0.10%1.72%34.0%
Q4 202576$147.8M10.41%0.12%1.63%33.3%
Q3 202576$145.6M10.28%0.12%1.61%33.6%
Q2 202573$150.1M9.36%0.10%1.56%34.6%
Q1 202572$146.5M9.39%0.10%1.47%35.8%
Q4 202472$183.1M10.11%0.00%1.32%28.4%
Q3 202476$135.0M10.23%0.00%1.48%40.3%
Q2 202474$131.7M9.69%0.00%1.39%42.7%

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).

Capital ratio11.02%
51st
Total risk-based capital29.28%
96th
Problem loans0.10%
74th
Net charge-offs0.04%
30th
Return on assets1.81%
81st
Net interest margin3.03%
11th
Efficiency ratio39.4%
97th
Loans to deposits35.8%
97th
Uninsured deposits46.9%
5th
Loan-loss reserves0.35%
1st
Texas ratio0.3%
80th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
First State Bank of BrownsboroBank Brownsboro, TX73 out of 100, Strong$139.9M10.4%0.52%vs
Spur Security BankBank Spur, TX77 out of 100, Strong$140.6M12.4%0.00%vs
Texas National BankBank Sweetwater, TX74 out of 100, Strong$139.1M11.0%0.00%vs
The Buckholts State BankBank Buckholts, TX96 out of 100, Very strong$138.8M17.6%0.02%vs
Marion State BankBank Marion, TX77 out of 100, Strong$142.0M14.7%1.87%vs
Pointwest BankBank West, TX90 out of 100, Very strong$137.3M12.5%0.00%vs

Deposit insurance

Is my money safe at Peoples State Bank?

Yes. Peoples State Bank is an FDIC-insured institution (FDIC certificate #15939). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 46.9% of deposits ($59.3M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.02%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 29.28% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Peoples State Bank lists 2 offices in 2 cities. Most locations:

  • Center Point, TX (1)
  • Rocksprings, TX (1)

All branch addresses and map

Identity & history

Profile

Legal name
Peoples State Bank
Type
State-chartered bank
FDIC certificate #
15939
RSSD ID
660066
Primary regulator
FDIC
Established
May 1, 1943
Headquarters
101 W Main St, Rocksprings, TX 78880
Employees
9

Quick answers

Peoples State Bank: common questions

Is Peoples State Bank FDIC insured?

Yes. Peoples State Bank is an FDIC-insured institution (FDIC certificate #15939). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Peoples State Bank's TellerScore?

80 out of 100 (Strong), 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 #15939 in the FDIC failed bank list.

How many branches does Peoples State Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Rocksprings

InstitutionScoreAssetsCapitalProblem loansCompare
First State Bank of UvaldeBank Uvalde, TX75 out of 100, Strong$1.7B15.7%1.27%vs