Plains State Bank is a state-chartered bank headquartered in Humble, Texas, in business for about 69 years. At the end of Q2 2026 it reported $828.4M in total assets and $685.8M in deposits, with 8 offices.
Plains State Bank has a TellerScore of 59 out of 100 (moderate) based on Q2 2026 data — higher than only 17% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 306th. Capital cushion contributes the most (100/100, 16.47%); loan quality contributes the least (0/100, 4.41%).
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 13 points (72 → 59), mostly because the loan quality component weakened by 46 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 78 |
| Q3 2024 | 83 |
| Q4 2024 | 84 |
| Q1 2025 | 82 |
| Q2 2025 | 72 |
| Q3 2025 | 72 |
| Q4 2025 | 70 |
| Q1 2026 | 64 |
| Q2 2026 | 59 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 14.97% |
| Q3 2024 | 15.44% |
| Q4 2024 | 15.59% |
| Q1 2025 | 14.78% |
| Q2 2025 | 15.63% |
| Q3 2025 | 16.54% |
| Q4 2025 | 17.80% |
| Q1 2026 | 17.30% |
| Q2 2026 | 16.47% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.33% |
| Q3 2024 | 0.75% |
| Q4 2024 | 0.64% |
| Q1 2025 | 0.49% |
| Q2 2025 | 1.62% |
| Q3 2025 | 1.77% |
| Q4 2025 | 2.16% |
| Q1 2026 | 2.42% |
| Q2 2026 | 4.41% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.02% |
| Q3 2024 | 2.03% |
| Q4 2024 | 2.11% |
| Q1 2025 | 1.57% |
| Q2 2025 | 1.82% |
| Q3 2025 | 1.90% |
| Q4 2025 | 2.25% |
| Q1 2026 | 1.46% |
| Q2 2026 | 1.64% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 59 | $828.4M | 16.47% | 4.41% | 1.64% | 89.2% |
| Q1 2026 | 64 | $840.0M | 17.30% | 2.42% | 1.46% | 90.1% |
| Q4 2025 | 70 | $882.4M | 17.80% | 2.16% | 2.25% | 88.4% |
| Q3 2025 | 72 | $846.2M | 16.54% | 1.77% | 1.90% | 96.0% |
| Q2 2025 | 72 | $851.5M | 15.63% | 1.62% | 1.82% | 92.9% |
| Q1 2025 | 82 | $927.6M | 14.78% | 0.49% | 1.57% | 80.7% |
| Q4 2024 | 84 | $876.4M | 15.59% | 0.64% | 2.11% | 89.6% |
| Q3 2024 | 83 | $883.6M | 15.44% | 0.75% | 2.03% | 86.3% |
| Q2 2024 | 78 | $852.4M | 14.97% | 1.33% | 2.02% | 87.8% |
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 |
|---|---|---|---|---|---|
| Bank of the WestBank Grapevine, TX | 74 out of 100, Strong | $829.8M | 9.7% | 0.00% | vs |
| Citizens 1st BankBank Tyler, TX | 83 out of 100, Strong | $811.0M | 20.5% | 0.53% | vs |
| Maverick BankBank Fort Davis, TX | 76 out of 100, Strong | $809.1M | 8.8% | 0.01% | vs |
| Texas National Bank of JacksonvilleBank Jacksonville, TX | 50 out of 100, Below average | $852.4M | 10.1% | 1.03% | vs |
| Harmony BankBank Dallas, TX | 75 out of 100, Strong | $855.3M | 11.9% | 0.02% | vs |
| First Community BankBank San Benito, TX | 81 out of 100, Strong | $794.4M | 10.4% | 0.01% | vs |
Deposit insurance
Is my money safe at Plains State Bank?
Yes. Plains State Bank is an FDIC-insured institution (FDIC certificate #17739). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 46.8% of deposits ($321.1M) 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 16.47%, 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%).
8 locations
Branches
Plains State Bank lists 6 offices in 5 cities. Most locations:
- Houston, TX (2)
- Conroe, TX (1)
- Humble, TX (1)
- Plains, TX (1)
- Sugar Land, TX (1)
Identity & history
Profile
- Legal name
- Plains State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 17739
- RSSD ID
- 972862
- Primary regulator
- FDIC
- Holding company
- Plains Acquisition Corp
- Established
- April 6, 1957
- Headquarters
- 19404 Kenswick Dr, Humble, TX 77338
- Website
- www.psbplains.com
- Employees
- 79
Quick answers
Plains State Bank: common questions
Is Plains State Bank FDIC insured?
Yes. Plains State Bank is an FDIC-insured institution (FDIC certificate #17739). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Plains State Bank's TellerScore?
59 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 Plains State Bank ever failed?
There is no failure record for FDIC certificate #17739 in the FDIC failed bank list.
How many branches does Plains State Bank have?
8 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Humble
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Port of Houston Warehouse Federal Credit UnionCredit union Houston, TX | 96 out of 100, Very strong | $5.4M | 21.6% | 0.52% | vs |
| Corpus Christi Postal Employees Credit UnionCredit union Corpus Christi, TX | 96 out of 100, Very strong | $17.1M | 20.3% | 0.00% | vs |
| Light Commerce Credit UnionCredit union Houston, TX | 92 out of 100, Very strong | $5.0M | 26.8% | 0.93% | vs |
| F a a Federal Credit UnionCredit union Cordova, TN | 91 out of 100, Very strong | $131.1M | 18.6% | 0.87% | vs |
| Kbr Heritage Federal Credit UnionCredit union Houston, TX | 90 out of 100, Very strong | $76.4M | 22.6% | 0.39% | vs |
| Austin Bank, Texas National AssociationBank Jacksonville, TX | 88 out of 100, Very strong | $3.3B | 15.1% | 0.60% | vs |