Peoples State Bank is a state-chartered bank headquartered in Blair, Oklahoma, in business for about 74 years. At the end of Q2 2026 it reported $13.9M in total assets and $12.1M in deposits, with 1 office.
Based on its Q2 2026 filing, Peoples State Bank scores 85/100, which we describe as very strong. That is higher than 78% of 546 banks with under $100 million in assets. Among 170 banks headquartered in Oklahoma, it ranks 21st. Its strongest component is loan quality (100/100; 0.00%), and its lowest is earnings (70/100; 1.24%).
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 2 points (87 → 85), mostly because the earnings component weakened by 23 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 88 |
| Q3 2024 | 78 |
| Q4 2024 | 82 |
| Q1 2025 | 86 |
| Q2 2025 | 87 |
| Q3 2025 | 88 |
| Q4 2025 | 88 |
| Q1 2026 | 85 |
| Q2 2026 | 85 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.18% |
| Q3 2024 | 11.27% |
| Q4 2024 | 11.73% |
| Q1 2025 | 12.15% |
| Q2 2025 | 12.35% |
| Q3 2025 | 12.76% |
| Q4 2025 | 13.01% |
| Q1 2026 | 12.89% |
| Q2 2026 | 13.04% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.81% |
| Q3 2024 | 1.04% |
| Q4 2024 | 1.24% |
| Q1 2025 | 1.75% |
| Q2 2025 | 1.82% |
| Q3 2025 | 1.88% |
| Q4 2025 | 1.64% |
| Q1 2026 | 1.31% |
| Q2 2026 | 1.24% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 85 | $13.9M | 13.04% | 0.00% | 1.24% | 80.0% |
| Q1 2026 | 85 | $14.4M | 12.89% | 0.00% | 1.31% | 80.1% |
| Q4 2025 | 88 | $13.6M | 13.01% | 0.00% | 1.64% | 82.4% |
| Q3 2025 | 88 | $13.4M | 12.76% | 0.00% | 1.88% | 88.6% |
| Q2 2025 | 87 | $13.7M | 12.35% | 0.00% | 1.82% | 83.9% |
| Q1 2025 | 86 | $14.6M | 12.15% | 0.00% | 1.75% | 80.8% |
| Q4 2024 | 82 | $15.1M | 11.73% | 0.00% | 1.24% | 76.6% |
| Q3 2024 | 78 | $14.1M | 11.27% | 0.00% | 1.04% | 81.4% |
| Q2 2024 | 88 | $14.4M | 12.18% | 0.00% | 2.81% | 84.2% |
546 peers · Under $100 million in assets
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 Oklahoma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers & Merchants BankBank Duke, OK | 79 out of 100, Strong | $20.5M | 11.3% | 0.00% | vs |
| Farmers and Merchants BankBank Maysville, OK | 71 out of 100, Strong | $22.0M | 10.9% | 1.61% | vs |
| The First National Bank of FletcherBank Fletcher, OK | 65 out of 100, Moderate | $23.4M | 9.9% | 1.07% | vs |
| First State Bank in TempleBank Temple, OK | 64 out of 100, Moderate | $26.4M | 22.2% | 8.60% | vs |
| Bank of ViciBank Vici, OK | 30 out of 100, Low | $28.9M | 10.2% | 12.31% | vs |
| The Hopeton State BankBank Hopeton, OK | 66 out of 100, Moderate | $30.8M | 11.3% | 0.00% | vs |
Deposit insurance
Is my money safe at Peoples State Bank?
Yes. Peoples State Bank is an FDIC-insured institution (FDIC certificate #17138). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 4.6% of deposits ($555K) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.04%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Peoples State Bank lists 1 office in 1 city. Most locations:
- Blair, OK (1)
Identity & history
Profile
- Legal name
- Peoples State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 17138
- RSSD ID
- 991854
- Primary regulator
- FDIC
- Established
- August 25, 1952
- Headquarters
- 117 East Main Street, Blair, OK 73526
- Website
- www.psbokonline.com
- Employees
- 5
Quick answers
Peoples State Bank: common questions
Is Peoples State Bank FDIC insured?
Yes. Peoples State Bank is an FDIC-insured institution (FDIC certificate #17138). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Peoples State Bank's TellerScore?
85 out of 100 (Very 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 #17138 in the FDIC failed bank list.
How many branches does Peoples State Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Blair
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Shamrock Bank, N.A.Bank Coalgate, OK | 79 out of 100, Strong | $501.5M | 10.8% | 0.29% | vs |
| Red River Federal Credit UnionCredit union Altus, OK | 79 out of 100, Strong | $168.4M | 12.1% | 0.28% | vs |
| Farmers & Merchants BankBank Duke, OK | 79 out of 100, Strong | $20.5M | 11.3% | 0.00% | vs |
| Frazer BankBank Altus, OK | 77 out of 100, Strong | $354.3M | 11.2% | 0.00% | vs |
| BancFirstBank Oklahoma City, OK | 71 out of 100, Strong | $12.8B | 10.6% | 1.19% | vs |
| Cattlemens BankBank Altus, OK | 68 out of 100, Moderate | $595.2M | 10.3% | 0.29% | vs |