| Weiss Ratings |
Peoples State Bank
Shepherd, TX |
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| Rating | ||||
| Asset Quality Index | 6.30 | |||
| Capitalization Index | 8.70 | |||
| Liquidity Index | 3.70 | |||
| Profitability Index | 4.80 | |||
| Stability Index | 4.80 | |||
| Company Info |
Peoples State Bank
Shepherd, TX |
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| FDIC Number | 10345 | |||
| Phone Number | (936) 628-3312 | |||
| Website | www.psbtexas.com | |||
| Asset Quality |
Peoples State Bank
Shepherd, TX |
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| 1-Year Asset Growth | 12.17% | |||
| 5-Year Asset Growth | 5.81% | |||
| 5-Year Charge-Offs to Average Loans | -0.01% | |||
| Charge-Offs to Average Loans | 0.01% | |||
| Non-Performing Assets to Assets | 1.26% | |||
| Non-Performing Loans to Capital | 8.99% | |||
| Non-Performing Loans to Loans | 2.42% | |||
| Balance Sheet |
Peoples State Bank
Shepherd, TX |
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| Total Assets | 187.41M | |||
| Total Deposits | 162.85M | |||
| Capital and Reserves |
Peoples State Bank
Shepherd, TX |
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| Capital | 15.08M | |||
| Leverage Ratio | 10.16 | |||
| Loan Loss Reserves to Loans | 1.04% | |||
| Risk-Based Capital Ratio | 19.24 | |||
| Liquidity |
Peoples State Bank
Shepherd, TX |
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| Hot Money Ratio | 12.92% | |||
| Liquidity Ratio | 22.39% | |||
| Profitability |
Peoples State Bank
Shepherd, TX |
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| 5-Year Return on Average Assets | 1.00% | |||
| Net Income | 1.79M | |||
| Net Interest Spread | 4.00% | |||
| Operating Profit to Average Assets | 1.19% | |||
| Overhead Efficiency Ratio | 66.97% | |||
| Return on Assets | 0.97% | |||
| Return on Equity | 13.45% | |||